vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$6500.00} XXXX XXXX XXXX Account # XXXX XXXX  Date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments, charge-offs, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : 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 Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Address ( es ) : 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 2024-11-08 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-11-08 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
I was contacted on XX/XX/XXXX by a XXXX XXXX with XXXX XXXX XXXX in regards to a debt she claims i owe prior to XXXX with HSBC Bank XXXX ending in XXXX with balance of {$2000.00}. Her contact info was XXXX which is losted as an XXXX XXXX XXXX, she also gave a XXXX number and address of XXXX XXXX XXXX XXXX Georgia, she stated i was being sued before statue of limitations. She answered all phone calls herself and was very sketchy. I do not see any open accounts on my credit report for such bank or balance. I feel something is not right. Looked up address and name and no address or name found. She is not foreign and that throws me off, hoping to get clarification on this matter, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I submitted this yesterday but couldnt find where to add both companies so this is relevant to Zelle, already submitted under XXXX XXXX XXXX 

Sent {$3000.00} to a trusted vendor who Ive done business with for many years. Zelle, through XXXX XXXX XXXXXXXX, showed a completed payment but the vendor never received the money. 

XX/XX/year> Requested an investigation into where the missing {$3000.00} is. They claim to have followed my orders on initiating the transfer but can not confirm if the other bank received it. Denied my request. They claim its on Zelle, but XXXX cant even speak to Zelle as they say it has to be done through XXXX because I used their mobile app to initiate. Only during this drawn out process do I read that Zelle considers their money transfers to be an investment not backed up by the FDIC which is absurd. 

XX/XX/year> Spoke to XXXX  rep that is a fraud and Zelle liaison. She notes Ive done business with these folks many times before with no problem, opens another audit and then commences to sending me the same thing as before two days later. Its out of their hands, Zelle is who to speak to and they cant confirm anything. If Zelle has partnered with XXXX to sell investment vehicles masked as a money transfer service, seeing that on the app the option for Zelle is under TRANSFER FUNDS, then you would think theyd be responsible for the company they vouch to be able to move funds for their customers. 

As of XX/XX/year> the money is still missing and no one can tell me whos to blame or where it went. I just lost my farm in XXXX XXXXXXXX and am lucky to still have any business and thanks to this issue Ill be turning customers away while these financial institutions pass the blame. Obviously now I know never to use Zelle again, and to post everywhere I can on the internet my experience. The next step will be to withdraw every dollar from XXXX XXXX XXXXXXXX and make sure to tell as many people online about this as possible. I hope you can help remedy this. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: OK

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-08 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: IL

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

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AL

Complaint narrative:
IM trying to get an apartment that is income restricted, since chime not a bank the company needed a form to be filled stating that I used chime as my main banking. It was email twice and we never received a response. When I finally call them they lied and said they never got the paperwork. I told them I will email it myself and could they please fill it asap. This is where the lies come out. They sent me an email stating they did receive the forms but refusing to fill. Company policy which I know this is a lie too, my coworker had the same issue and they finally filled hers. This has cause me so much grief and unfortunately I could not get the apartment. Im a single mom of XXXX boys and can not afford too much. This was gon na to be the perfect place for us. A XXXX bedroom was only {$730.00}. May I add the document they recieved is state government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I heard about the overdraft fees that they've been taking and I'm sure it's been done to me after all these years. I'm trying to find out what I need to do first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Inadequate Documentation : they only provide billing statements or invoices without specific proof, I am argue that this is insufficient evidence of the debt. Billing statements alone may not prove that the debt is mines or that they have the legal right to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
the teller XXXX managed the SSN on the computer, then ask for my SSN on drivers license, there is not a SSN on driver license and then entered the wrong SSN again. So I gave the teller a XXXX driver license with a SSN and was dumfounded about the subject. Then the teller asked me to input XXXX to key pad and found out that the key pad and the XXXX computer were not running on same program. After all this was over the branch XXXX told me that XXXX  I.D . is ok and all she needed was a picture ID, so I asked if a fire dept ID was ok, no because its not government, so I was shown a program on the computer but it had no XXXX ID on it, and when question about no answer was made to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
I had previously had a keybank account which was closed on XX/XX/XXXX. 

On XX/XX/XXXX I received a targeted bank bonus offer to my same email associated with my previous checking account- XXXX. The bonus offer was for {$300.00} bonus if I completed one {$1000.00} direct deposit. I was suspicious of the offer since I had an account 8-9 months ago and the fine print said one bank bonus per year. However, keybank had sent me this targeted offer so I had no reason to believe the offer wouldn't be honored. Since I was only a couple months away from being a year out from having an account with keybank I figured I qualified since keybank had sent the targeted offer to me directly with attached coupon code to the SAME email that had had an account previously. This was keybank 's error. 

On XX/XX/XXXX, I opened a keybank account due to receiving the targeted offer. My new bank account associated with card number : XXXX had the bank bonus offer code applied. On XX/XX/XXXX I fulfilled the direct deposit minimum having XXXX direct deposit from XXXX XXXX. Then again on XX/XX/XXXX I had yet another XXXX direct deposit payroll to the keybank account. According to keybank 's terms and conditions I should have the bonus of {$300.00} posted to my checking within 60 days of XX/XX/XXXX which would be XX/XX/XXXX. 

On XXXX I called keybank due to concerns I wasn't going to get the bonus within the promised timeframe as it has been 57 days as of today. The representative on the phone told me I do not qualify due to having an account within 12 months with keybank. I asked why then did keybank send me a TARGETED offer to my same email from the previous account for the bonus if I did not qualify. She didn't have a good reason and she actually proceeded to raise her voice at me and grow increasingly hostile and unprofessional. 

I am requesting keybank pay me the {$300.00} bonus within the 60 days promised that they owe seeing as how I have tied up XXXX in direct deposits with their account ( twice the amount required for the bonus ) AND due to the fact that Keybank is the one who made the error sending me a TARGETED offer for the bonus before I qualified as well as applying the coupon code to my account. Due to keybank 's error I will be ineligible for any keybank bonuses for 2 years instead of XXXX if I don't get paid the bonus. It was nearly a year out from my last account when I received this offer. I had no reason to believe I didn't qualify given Keybank 's error. I will be also submitting a compaint to the OCC until my {$300.00} bonus is paid. This is unacceptable, false advertising and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS

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