vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Ive attached my previous complaint along with supporting proof that this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
There are errors in this information about these accounts that are incorrectly reported in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are errors in this information about these accounts that are incorrectly reported in my report. 

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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: MI

Complaint narrative:
XX/XX/ I sent via wire transfer {$1000.00} from my bank XXXX XXXX XXXX in Michigan to XXXX XXXX XXXX also known as payward ventures inc and they have my money and I have no access to it! They have been asked to refund it and know ignoring all my attempts to contact them. Please help this was my entire social security check. Thank you, sincerely 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 explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-07 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next XXXX  days. I've attached the relevant documents for your reference.

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 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Against [ Collection Agency Name ] To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter.

I have previously disputed these accounts with Jefferson Capital and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts.

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Jefferson Capital. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint against Midland Credit regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter. 


I have previously disputed these accounts with Midland Credit and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Midland Credit. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
The bank as of XX/XX/23 started charging EXTREME overdraft fees. Initially my accounts did not allow me to overdraft at all. They tried to accuse me of doing this through the online application. I had no access to the online application due to technical difficulties with the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see previous case XXXX XXXX I am rejecting this response because : Wells Fargo and the staff assigned to investigate this claim have been dismissive, have attempted to gaslight me, and refuse to take any responsibility for protecting and supporting loyal customers. There has been NO transparency in conversation, and it has taken me to push these complaints to get any response. I've requested documentation of why my claim was denied, and first I was told to call a number to request the documentation, next I was told that the Escalation rep XXXX XXXX XXXX put in a request on my behalf for the documentation but it would take up to 30 days to receive. I was disconnected from a call, and was told that " the agent said you hung up ''. Also important to note, that WF did not acknowledge receipt of the initial email with supporting documents until the rep XXXX XXXX XXXX called me today and I raised it. 

All of this is crazy. I am a professional that works in local government. I know my rights, and all I am asking for is a thorough review of my claim and reimbursement of funds that were fraudulently scammed from me. I have spoken to others that have been victims of similar scams, and were reimbursed their funds from Wells Fargo and/or XXXX XXXX XXXX XXXX I've asked on numerous occasions to speak with a manager and was either transferred to a voicemail box with no message or disconnected. I've been a customer of Wells Fargo since XXXX, and I expect some level of respectful customer service. 

Why does it take 30 days for me to receive the documentation and process used to investigate my case? What is the " compelling '' evidence that WF found that supports the denial of my claim. No one has ever interviewed me or asked me about what happened. 

I will not accept this response until : 1 ) I receive documentation of the process and steps outlined to review my claim and reasons for denial. This includes what the " compelling evidence '' is as mention in the letter by XXXX XXXX 

2 ) Review of my claim and action from Wells Fargo which would include restoration of my funds. 

3 ) Apology from wells Fargo for the rude, disrespectful, condescending, and poor communication from their staff ( claims and escalation ). 

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 2023-11-08 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: MA

Complaint narrative:
in accordance with the fair credit reporting has violated my rights act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions

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 2023-11-07 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: PA

Complaint narrative:
I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: IA

Complaint narrative:
My check for deposit into my account was overnighted to Axos Bank and I received proof of delivery that it was signed for by XXXX XXXX on XXXX  at XXXX XXXX My check also had a deposit slip stapled to it. By XXXX XXXX I noticed that my check was not deposited. I called the bank and was told to wait one more business day for the deposit. I asked if she could see my check and she replied that she " can not see the details of my check ''. So she lied to me. I asked to speak with someone who could help me since the only thing she would tell me to do was " wait one more day ''. She would not transfer me or provide me with a different phone number. Finally, she told me to send the proof of delivery in a secure message through my online bank. So I did. I rec 'd an automated message back confirming the receipt of my message and a case created. I received no status update on XXXX XXXX  On XXXX XXXX  replied to my case. I did not receive a response. On XXXX XXXX I sent another message, I did not receive a response. I called the bank the same day and got someone on the line, but they disconnected from me. On XXXX XXXX, I called the bank and was told the same info from my XXXX XXXX  call. This is unacceptable. I asked to file a complaint and they would not transfer me to anyone, saying that they are unable to do so. 
After many times of going back and forth, he emailed me a form titled Affidavit of Unauthorized/Altered or Forged Check, which doesn't make any sense! My lost check has not even been cashed. The bank straight-up lost it. I can not get anyone to take charge of my case or even speak with someone higher up with the knowledge to assist with my case. I am getting absolutely NO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX Account # XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX High Credit : {$190.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Payment after charge off Paid profit and loss Account seriously past due date/account assigned to attorney, collection agency, or credit XXXXXXXX XXXX XXXX XXXX department. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/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 2023-11-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/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 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
In XXXX  my stimulus direct deposit in the amount of {$4200.00} was direct deposited into a Chime bank account that was not mine. 

It is Chimes policy to reject any direct deposit where the name and social security number on the direct deposit does not match the name and social security number of the account holder. That did not happen here. Chime accepted a direct deposit sent by the IRS payable to me and me only and they deposited it into an account that was not mine. 

All i have asked them to do is to return that money to the IRS so that the IRS can redirect it to me. That is what should of occured from the get go. I have the date of the direct deposit, the account number of the account it went into and the name of the account holder but Chime repeatedly ignores my requests for them to address and resolve thier mistake. 

I have offered my complete corporation in helping them obtain whatever documentation they might need from me to no avail. 

I have emailed them countless times at XXXX point a resolution in the right direction began and my complaint was forwarded to thier escalations department but fizzled out and had to begin the process over again and again and again. 

I do not understand what is so complicated it is VERY cut and dry. 
My stimulus direct deposit was misdirected into the wrong account. This misdirection is the fault of Chime not following its own policy where they should of rejected the direct deposit due to the names and social security numbers not being a match then when the IRS received it they would of issued a paper check to the recipient who was me to the address they had on file. 

However Chime chooses to recoup thier money from the account holder who received MY money is up to them, as for me they need to do what they should of from the beginning and that is to send the money back to the IRS and let the IRS handle it from there. 

Policies are in place for a reason and when those policies are not followed you end up with issues such as this one. 
I am not even asking for Chime to be responsible for the hardship thier mistake has caused my family during such a critical financial upheaval during XXXX. All ive asked is for them to verify what i am saying, verify my identity, and do what they should of done what thier policy states they should do and be done with it. 

Please do what you do and maybe itll be the push Chime apparently needs to do what they are supposed to do. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-07 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: IL

Complaint narrative:
Kindly examine the enclosed documents. I am urging the bureau to commence an investigation into these accounts where I have always been on time, but they are erroneously marking me as late.

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 2023-11-07 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-11-07 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am the lawfully executed Attorney in Fact of my father. Via a signed notarized and witnessed durable POA. They denied the document during their " document review '' process and will not allow me access to the account

Company response to consumer: Closed with explanation