vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are fraudulent inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : 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 2024-04-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a brand new Citi card in the mail and when I tried to connect it to my XXXX XXXX my account was flagged for fraud and could not verify my phone number even though its the same phone number I was calling from. They unlocked my account and told me to wait XXXX weeks for my letter in the mail Without any explanation as to why I couldnt use new card

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to file a formal complaint against my financial institution, Chase Bank, regarding the handling of a fraud case and the subsequent delays and lack of communication in the release of my funds. This ordeal began on XX/XX/2024, and has yet to be resolved satisfactorily, causing significant financial and emotional distress. 

I was a victim of an employment scam where I deposited a fraudulent check for {$4900.00} into my XXXX account. Upon realization of the fraud, I acted swiftly to mitigate any potential damage by communicating with both XXXX and Chase. Unfortunately, the actions taken by these institutions have not only failed to resolve the issue but have compounded the difficulties involved. 

After transferring {$4400.00} from my XXXX account to my Chase account under the scam 's influence, I attempted to rectify the situation by transferring funds back and filing a fraud report with the FBI. Despite these actions, XXXX sent a Hold Harmless and Indemnification Agreement Request to Chase without my consent, which led to the closure of my Chase account and a hold on {$19000.00}, which remains inaccessible. 

I have repeatedly reached out to both banks to expedite the review and release of my funds. On XX/XX/2024, I was informed by Chase that they were waiting on further documentation from me, which was never previously communicated. I immediately complied with their request by providing the documentation the bank teller requested. It has been over XXXX weeks since my compliance, and there has been no progress or clear communication from Chase regarding the review of these documents. 

This situation has placed an undue burden on my financial well-being. The lack of prompt and clear communication, and the ongoing delays in resolving these issues, are unacceptable. I seek the CFPB 's assistance in addressing this matter to ensure that both XXXX and Chase adhere to their obligations to handle fraud cases and customer communications effectively and transparently. 

I am prepared to provide any additional information or documentation that may be required to assist in the resolution of this complaint. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take appropriate action to help resolve these ongoing issues and prevent future occurrences of similar nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: MO

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 informationisinaccurate.

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 2024-04-30 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: EQUIFAX, INC.
State: MO

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-30 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 recently had a copy of my report pulled and noticed fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Between XXXX XX/XX/year> and XXXX XX/XX/year>, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BMO account to fraudulent investment firm

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 2024-05-01 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:
Paid a vendor with a personal check on XX/XX/2023. The vendor held the check XXXX months before depositing into their checking account. I've called Chase XXXX time regarding this matter. Personal checks expire after XXXX months but yet the check was still cashed. I was told something different every single time I called. On XXXX it states that personal check expire after XXXX months due to the Uniform Commercial Code but yet i hav n't received my money back. At the time the check clear I did NOT have enough funds to cover the check which is another reason why the check should not have cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Kikoff Inc.
State: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America when I had asked why my payment for XX/XX/XXXX for {$77.00} XXXX wasn't showing up as having any failed attempts from the XXXX until today when I go and look and see that my account has been overdrafted for {$77.00} and they tell me that my account Will not show or reflect any issues like failed payments. 

Credit for disputes still it in account. 

One again Bank of America, with no notice of any payment issues of any kind not given and taking the money and leaving a negative balance. 

And now stranded again. 

And the woman who answered my calls around between XXXX to XXXX XXXX He sounded smug and had been laughing and chuckling upon hearing my situation. This company has put me in again and you could hear her voice and how happy it made her that my situation being stranded again just was just pure amusement for her and she just also loved it so much, and I'm willing to bet that one probably didn't record this conversation

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 2024-04-30 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to urgently address a matter of identity theft concerning my account with XXXX XXXX XXXX. I have recently discovered unauthorized activity on this account, which I have reported to the authorities and obtained a notarized police report as well as filed a report with the Federal Trade Commission ( FTC ). Despite my efforts to resolve this matter, I have encountered significant challenges in receiving assistance from XXXX representatives. Their handling of this situation has been both unhelpful and, regrettably, rude. Under Texas consumer laws pertaining to identity theft, it is imperative that swift action be taken to rectify this situation. As such, I am formally requesting the immediate removal of any fraudulent activity associated with my identity from the aforementioned account. Attached to this correspondence are copies of the notarized police report and FTC report for your reference and records. I trust that XXXX will adhere to the necessary legal procedures and promptly resolve this matter in accordance with Texas consumer protection laws. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-04-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XXXX XXXX must stop trying to collect on rent that I did not owe, I was a XXXX old XXXX XXXX when my mom moved in 2021 and bc I was over XXXX I had to be on the lease! I did not sign as a consigner I was just a XXXX kid resident. My part time check did not get me this rent. Please stop harassing me with a {$6900.00} bill. I am XXXX yrs old and this is not my bill- my Moms filed bankruptcy! We don't owe this money- y'all can't make XXXX yr old and XXXX yr olds pay for rent we couldn't afford on our own bc our parents had a hard time! We ain't responsible for our parents.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion changed my last name on my credit report, per Transunion, one of my creditors told them my last name was XXXX. It is not. My last name has not changed in 16 years. I asked why they changed it, again they said a creditor told them. I asked which creditor, and they advised they do not know which creditor. So in order to fix Transunion error, they want me to send my social security card and DL pictures in the mail and wait 30 days to fix an error, they can not explain to me. They also can not prevent this from occurring again. How can they change my last name without verifying it with creditor or I dont know the social security office ? But they expect me to verify it? It is unbelievable, they can put whatever they want on my credit report without my permission. Especially if they can not answer who told them it was different, they should change it back.

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