vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I submitted a complaint for fraud on my debit card for multiple charges totaling {$11000.00} on claim XXXX with Wells Fargo under CFPB complaint XXXX. 
From what Wells Fargo is telling me, a person used my debit card number to set up an unauthorized XXXX account and ordered gift cards. Wells Fargo has yet to send me the information in writing other than a letter that states they found the charges to be either made by me or someone who had my permission to use the card. This is false and I did not give my card to anyone or give anyone else permission to use it. I also called XXXX and they told me that they sent all the information to Wells Fargo and the bank would have to disclose that info to me. Wells Fargo denied my claim for fraud and says they will not refund the fraud charges. I need the info that XXXX sent Wells Fargo so I can file a report with the police and I have yet to get the info from Wells Fargo. A Wells Fargo supervisor by the name of XXXX verbally told me the names used for the fraud orders and said that XXXX has sent them all the info and they supposedly have ip addresses and delivery addresses and pictures of the fraud gift cards that were ordered. Wells Fargo has not been helpful in sending me the info I need to file a police report and they have denied the fraud charges to reimburse me. I will be filing a police report in an attempt to prosecute the offenders and then get legal counsel to get my funds credited from Wells Fargo. Wells Fargo has made it difficult to get the info on the fraud and the process has taken way to long and they could have made it much simpler. I will also reopen the request for reimbursement of the fraud charges with Wells Fargo after the police starts their investigation and ultimately makes arrest on the fraud perpetrators. Wells Fargo tells me they made a resolution to my request which is a denial of reimbursement of the fraud charges and this is not acceptable!

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 2024-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
please remove any fraud alert are security freeze from my profile please also remove your statement from my credit report ; Credit File Status Fraud Victim ( associated with trade )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was going to invest some money for my mother in a high yield savings account. I share an account with my mom to help with her finances and I have full ownership of the account. I wrote a check to myself to my XXXX account with one of my moms checks and signed her name on it. XXXX has stolen the money under a " Fraud '' pretense and refuses to send the money back to the account it came from and has kept the money for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Dispute going on since XX/XX/XXXX. Account closed still under investigation. Called to reopen account, Citibank run a hard inquire XXXX XXXX for a loan I did not apply and the reason for decision was inaccurate derogatory remark by Citibank not fixed yet. 
Never had problems with Citibank since XXXX. The year of XXXX Citibank messed up account with no charges, a obvious dispute overseen by dispute center and customer services that is still damaging my credit and my life without a reason. 
Please let my Citibank accounts static to let them back to normal. Open and in good standing. This has been a very stressful situation for 8 months that only CFPB was able to make my word listened.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account

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 2024-08-05 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX Account Number:XXXX " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. "

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited my check via mobile deposit. The money was suppose to be made available over the weekend. It wasnt. When I tried calling the bank, the representative refused to do her job and made my life quite difficult. She said, your funds arent available. I stated they have already cleared the clearing house and should have been deposited. For over an hour she refused to answer basic questions. Then Sunday I messaged the bank again about my fund being withheld. They told me to wait until Monday. Its now Monday and my funds arent available. This is flat out theft and its not the only time Ive had issues with Axos Bank. This is a reoccurring issue and its insanity. They are also in violation of banking regulation 225, regarding releasing {$220.00} immediately when you deposit a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. All of the information associated with this account is not my information nor does this company have a signed document by 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. All of the information associated with this account is not my information nor does this company have a signed document by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates. 

The inaccurate information is as follows : AccountXXXX XXXX XXXX  Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ).

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report. 

You have XXXX days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I hired XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to handle debt renegotiation. XXXX completed the settlement with Synchrony Bank as described in the attached document. I funded the escrow account to pay Synchrony as planned. The account and debt were fully settled as of XX/XX/2022. Despite the completion of the settlement, the settled amount is not reflected correctly on my credit reports with XXXX, XXXX, and XXXX. This failure to update is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers to report accurate information. Additionally, 15 U.S.C. 1681i ( a ) obligates consumer reporting agencies to reinvestigate disputed information.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-05 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: VA

Complaint narrative:
I made a debit card purchase on XXXXat XXXX. My transaction showed declined at the terminal however chase completed the transaction. I was told by XXXX to dispute the charge with my bank. XXXX is not allowing me to dispute the transaction stating that the transaction was completed. I have my documents showing I paid by other means but chase is not allowing me to submit the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX has continued to attack my XXXX credit report with wrong information which I feel they are working with Capitol One who is providing false information on a fraudulent account that they have mixed up with my settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates. 

The inaccurate information is as follows : Account-first premier bank Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ). 

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report. 

You have XXXX  days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.

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