vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened my Wayfair acct. on XX/XX/XXXX and made a purchase. I paid it off within the month and it has had a XXXX balance since than. On XX/XX/XXXX I discovered fraud on my acct. and opened a claim and shut down my acct.. The fraudulent charges were as follows : XX/XX/XXXX for {$1600.00}, XX/XX/XXXX for {$1600.00}, XX/XX/XXXX for {$480.00}, XX/XX/XXXX for {$1000.00}, XX/XX/XXXX for {$770.00} ( stopped ), XX/XX/XXXX for {$460.00}, and XX/XX/XXXX for {$930.00} ( stopped ). I just received a letter from their fraud department saying that Im responsible for these charges. Im shocked that any of this was possible. One person I spoke with told me the charge on XX/XX/XXXX was flagged as fraud but they ended up letting it through without trying to contact me either by phone or email. Also when I made the one purchase on XX/XX/XXXX I received an email with purchase details, tracking number and estimated delivery date. I didnt receive any emails on the fraudulent charges. I also dont know why they allowed the charge on XX/XX/XXXX for {$460.00} a day after I notified them of the fraud and asked them to close the acct.. Im so frustrated! Please help me with this 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 monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 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. 
XXXX  Account # XXXX, has violated my rights. 
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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 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. 
XXXX  Account # XXXX, has violated my rights. 
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 explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Accordance to the fair credit reporting act XXXX  account below has violated my rights 15 u.s.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions NATIONAL CREDIT SYSTEM Original creditoXXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/20XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 XXXXXXXX XXXX XXXX/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX was compromised which put my identity at risk exposing my information and making my accounts overcharged or missing money.. unknown wire transfers and purchases I didnt do. It was as though it was masked. I am trying to get back on my feet and fix my credit. I got a background clearance and my credit cards are all on hold. It's very frustrating

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA 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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/2022 my account went below the {$1500.00} minimum threshold for several days, and I was charged a service fee. I requested the fee be reversed, and JP Morgan reversed it. 
The next month, XX/XX/2022, JP Morgan charged me a {$12.00} fee because my account was below the {$1500.00} threshold- but it was only below because they had charged me the {$12.00} fee ( which they later refunded ). I requested they refund, the declined, so I filed a complaint with the CFPB ( complaint ID XXXX ). JP Morgan flrefunded the fee. 
Now in XX/XX/2022, JP Morgan has charged me another {$12.00} fee, again only because my account was below the {$1500.00} minimum due ONLY to their fee ( which they later refunded ). I requested the reverse the fee, and they declined and advised me to deposit {$24.00} in the account. 
Charging a fee because my account was below their threshold only due to a fee that they charged ( and later refunded, twice ) is unfair and deceptive. This feels like the definition of a junk fee. 
I simply want my {$12.00} refunded and I will close my checking account so I dont have to deal with this anymore. I would encourage you to investigate the facts of my complaint as a UDAAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: WA

Complaint narrative:
Hello I want to file this complaint with CFPB because when I open the account with Albert, it was advertised with the account opening bonus as {$500.00} once I completed all the requirements. 

I've been really careful and fulfill all the requirement that listed in the terms and conditions and the bonus should hit my account after all the meet all the requirement. I tried to contact with the representative regarding the missing bonus and they spent couple of days to investigate and reached back to me with a different reason that's not included in the terms and condition. I am really upset with the false advertising and I wish to file the complaint and get the bonus ( {$500.00} ) back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
on XXXXBank of America closed my checking account I had just had a direct deposit placed in the account I also had another transfer go into this account on XX/XX/2022. I contacted to ask why had the account been closed I had already filed a claim in regards to suspicious activity the first Bank of America rep told me she didnt know a few times and told me she was the only one who could resolve the issue she then offered to transfer me to customer service knowing they would not be able to help I explained I have 3 children and Im losing my home due to this issue I was already late on rent that deposit was supposed to keep my home they did not care. I called again the next day spoke to a rep who advised me the account would be closed on XX/XX/2022 a whole month and some days later I again asked why and they would not provide any information I called again later that day and again could not get some much as an answer besides it would be closed on the XXXX of XXXX after review it does not take a month to review an account and still have not received a letter or answer by phone as to why.

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
I'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$420.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} XXXX, XXXX XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.

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 2022-07-21 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: KEYCORP
State: OH

Complaint narrative:
I have been a customer with KeyBank over 25 years. Why was I a victim of fraud on XX/XX/2022? This was a KeyBank checking account for XXXX with a new debit card issued. Then on XX/XX/2022, I was frauded again on the same account for a purchase by XXXX and waiting for another new debit card issued. On XX/XX/XXXX and XX/XX/2022, with KeyBank knowing of these frauds supposedly did not protect my account and allowed unauthorized charges of over {$10000.00} between my KeyBank checking and savings accounts. All the fraudulent charges have added up to over {$30000.00} since XX/XX/2022. 
Where is your cybersecurity? KeyBank : you never texted or had the decency to " red flag '' or shut down my accounts when your organization knew of fraud activity on my accounts since XX/XX/2022. 
And I want to know who did this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : 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 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 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

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