vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I keep trying to get my credit report updated since XXXX from Citibank and XXXXCitibank keeps sending documents to XXXX saying that the inquiries are factual when they are not.Citibank keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to XXXX showing that the credit inquiries from Citibank is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the Wells Fargo Home XXXX agreement d/b/a XXXX XXXX XXXX, XXXX Payments received by XXXX XXXX local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/23 the same date of statement closing on XX/XX/23. Wells Fargo incorrectly reported the balance as {$3300.00} to XXXX and XXXX. When it should have been {$1800.00}. This error incurred by Wells Fargo caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/2023. I paid this today ( XX/XX/2023 ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
On XX/XX/2023 I paid M & T Bank the payoff on my loan of {$14000.00} from payoff quote sent to me via fax. I called them next day to ask when title would be sent out. They told me ten business days! I argued all the way up the chain with no luck. I waited XXXX business days and called again. I was told XXXX business days of which I told them it had been. They put me on hold as I had ask to speak with supervisor. She told me it had been mailed that morning and could take 10 days to recieve. I blew my lid and ask if it was coming pony Express and should I be looking for a horse? She hung up on me!! 10 days really?? It has been 16 days now since payoff. They are holding my property! The supervisor tried to make me understand that a payoff using wire transfer would have been quicker than a bank account to bank account that I have used for the whole loan payments. I have spoken to FDIC, no help and Fereral Reserve, gave me this site. I had camper sold and the couple who purchased this, bank was waiting on title from me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I never applied for a credit card from this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Dear CFPB, I am disappointed with Chase 's handling of my fraud claim. On my XX/XX/2023, my device was stolen and someone had accessed my personal information, XXXX keychain passwords, including my debit card number and made a fraudulent transaction at XXXX  for {$150.00}. I have promptly notified Chase within the same day that my device was stolen and my Chase online banking profile was secured and a new debit card was reissued. On XX/XX/2023, Chase has concluded my claim stating that the transaction was indeed authorized. [ Letter from Chase Attached ] Chase 's decision was made based on the merchant 's information, XXXX The merchant, XXXX, were able to base their finding on " no change of registered email address or passcode, before or at the time of the reported transactions '' [ Letter from XXXX Attached ]. This is in fact true, as my device was stolen and all of my passwords were saved on the XXXX keychain. Therefore, the perpetrator had access to that information and was able to make those fraudulent charges. 

I am disappointed from Chase because their Deposit Account Agreement and Privacy Notice under Special Provisions for Card Transactions ( Zero Liability Protection ) clearly states that " you are not liable for any unauthorized card transactions if you notify us promptly. '' [ Deposit Agreement Attached ].

I have a direct deposit relationship with Chase for about 5 years now and this is my first claim with them. I am very unsatisfied and have lost faint in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over 2 months again I sent a notarized certified package to Experian to remove all the extra names addresses former jobs from my credit report. Also in the packaged was a copy of my current drivers lic. with my current address and my phone number and a copy of my social security card for verification. I didn't get any response, none by email, mail, nothing from them. As I pulled my credit report XX/XX/2023 the information is still on my report.at this time I an looking for monetary result since this company has slandered my reputation and defamed my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
I made a complaint with the XXXX in XXXX and was told after several responses back and forth from chime that I needed to file another dispute for the claim in regards to providing more information so I did. Not even 24 hours later from the time I submitted the claim an email being denied the dispute yet again. I didn't even get a chance to submit my documents or anything. I know they did not have the opportunity to even investigate the claim as they are suppose to do. I received an email today with the " documents '' they stated they used in order to determine the outcome to my dispute and they didn't even use anything as they are suppose to contact merchant and get other type of information in order to settle. I've attached the documents of the only thing they've seemed to use the items attached to the email they provided me stating that these are the documents they used to determine my claim. The customer service representative also that took my call filing my claim over the phone also provided false information as to asking questions in regards to filing this claim stating I didn't have no documents for proof. They also haven't actually looked at the documents that I've provided every time I file this dispute over the charges because they will see that not only does the account linked to my chime account is not my account that I provided proof from. Also the fact that when I got access to my chime account again they didn't see that I had to change the phone number address and email associated with my account since it wasn't correct. I've never had another address than the address I have now. Also attached is the linked bank account as well as proof it isn't my account.

Company response to consumer: Closed with explanation