vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Before this call I had went to deposit a total of {$200.00} into my account by tappi g my card since the card reader wasn't working. Later on XXXX, 2023 in the afternoon I received a call from this chase branch XXXX stating someone was trying to do fraud and they were calling to prevent it from happening they said they were going to text my phone number a pin to lock my account and mail out a new card so I read them the pin back they texted. A few minutes after I started seeing money being withdrawn from my account which added to a total of XXXX dollars. After that I rushed over to my chase branch and spoke to the manager and they helped me lock my account and file a claim. The next day I checked my account to see if I had gotten the temporary credit but it resulted they withdrew more money to a total of XXXX dollars on XXXX XXXX2023. I went back to my chase branch and they helped me do another claim. A few days later I checked on my claim and they were both closed saying there was not enough evidence to give me my money back. When I checked my account for those withdrawals they did it showed they had been done through the same ATM where I had deposited money that same morning. So all the withdrawals presented on my account were from the same ATM I deposited my money. I don't understand how there was not enough information if they checked their cameras they should of seen I was never at the ATM withdrawaling those amounts. At first they said I was getting my money back so I was very confident waiting even waiting for the temporary credit. Even the manager at the branch said they were going to help to get my money back and nothing. I felt very mislead by the fact they kept making it seem I was going to get my money back and they were going to check the cameras and reopen a new claim which they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX  data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-03-16 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: NY

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have XXXX business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2023-03-16 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: NY

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have XXXX business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
8 mobile deposits were made to my checking accounts not by me and Wells Fargo froze my accounts and said they were closing my accounts by XX/XX/29

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 2023-03-16 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: NV

Complaint narrative:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I demand the following inquiries be blocked and deleted as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. Experian is required to report accurate and complete information and the below information is not accurate. 

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 PLEASE SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I went to pay my bill. I paid the minimum payment that month of {$240.00}. Previously, I had a card limit of {$13000.00}, my current debt with the card taking about {$9000.00} or so a the time. After I had paid the amount due for the month, I noticed my available credit was only {$240.00}. I dug around and noticed my credit limited was reduced to about {$9300.00}. I immediately called up the card 's customer service line trying to get an explanation. 

I was told that they had sent a letter in the mail-this was not true. To this day I haven't received any mail regarding this. I was also then told to check my online account as odds are there was a notice there. Surely enough, there was a notice that was hidden indirectly in a cumbersome UI. In the notice, it stated that as of XX/XX/XXXX, Citi opted to reduce my limit for the following reasons : Your payments were low on one or more of your accounts with us. 
Your credit report shows amount of credit available on accounts is too low. 

Citing a credit report from XXXX, I was confused. While my finances are going through a bit of a rough spot, my XXXX Score at the time was XXXX. The notice urged me to check with XXXX, who confirmed the following : I've had this card for 22 years with absolutely no late or delinquent payments. 
There were not major hits to my credit score up until that point. 

After that, I reached out again to Citi Customer Support to relay this information, and the phone attendant put in a request to reinstate my previous credit line. I followed up with this on XX/XX/XXXX, in which I was told my request was not only denied, but I was also denied from any sort of credit change until XXXX. 

This decision to suddenly reduce my credit without justifiable cause does far more damage to my credit than whatever Citi thought I was doing. This is how they treat a longtime customer of 22 years with NO late payments, NO delinquent payments. The best part of this is in the notice, Citi offers " advice '' on how to mend credit scores. Here 's one point that stuck out to me : Be sure to pay at least your minimum payment due by the payment due date each billing cycle That's EXACTLY what I've been doing! A fact cited by XXXX, who Citi used as a source. Citi has upped their APR to 22 %, and cut my line for no reason other than thinking that I'll pay more per month. This is EXTORTION. This is a massive betrayal of my trust and causing me financial stress during a period where I am borderline homeless. This company is disgusting.

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 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a complaint about a medical collection for {$1400.00} from the collection agency XXXX XXXX XXXX. I believe that their collection practices are in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and I am seeking your assistance in resolving this matter. 

The collection agency has been disclosing my medical information to unauthorized third parties, including family members and neighbors, which is a clear violation of my privacy rights under HIPAA. They have also been harassing me with multiple calls a day, including on weekends and holidays, which has caused significant stress and anxiety. 

I am concerned that they may be in violation of HIPAA. I request that the CFPB investigate this matter and take appropriate action against 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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Contacted Ally via chat on XX/XX/2023 to close my checking account after calling and being on hold more than 30 minutes. I told XXXX from Florida more than a dozen times to cancel the account but she kept asking questions and telling me about products trying to get me to change my mind. Chat lasted more than 15 minutes and she refused to close the account unless I gave her access to an external account. Checking balance is {$0.00} and interest would be less than XXXX cents so its not like they are going to send that to me anyway and its just a scam to get permission to conduct transactions on an external bank account. They have all my info and could send a check if need be but XXXX continued to request access to an external bank 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Essential Lending Inc
State: UT

Complaint narrative:
On XX/XX/2023 a debt collector from XXXX XXXX XXXX called regarding an online payday loan from Wise Loan. I informed him that i currently have a garnishment and he replied for me nit to mention it again in the call because he would not be able to help me futher. He stated that he recieved my file XX/XX/2023 and did an investigation and did not see that garnishment as he is not allowed to make payment arrangements with an active garnishment. I ended up setting up a payment arrangement which failed due to not having the funds. I ended up having 2 garnishments active by the time that payment was to be made. He has called and text and I have requested to stop advising I have 2 garnishments and no money. Today, XX/XX/2023 XXXX XXXX  MST he called and I just said " if this is a collection call pkease stop as I jave 2 garnishments in place. '' In which he proceeded to talk and I hung up. XXXX called right back and i answered requesting his supervisor. And he replied : Why? I can call every day until this case goes further. And I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: IL

Complaint narrative:
I AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND XXXX, EQUIFAX AND XXXX HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.

Company response to consumer: Closed with explanation