vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2024, my PNC digital debit card within XXXXXXXX XXXX was charged, after providing merchant with another form of payment ( a physical card ) needed for a pre-authorization hold. The final payment was settled with that of payment from the physical card I provided. 
On XX/XX/2024, I noticed the charge on PNC online banking app and called in to discuss the issue and dispute. I was told to call back if and once charge had posted. 
On XX/XX/2024, I contacted PNC to dispute the posted charged from the merchant and advised I had used another form of payment. I also advised that the incident could have happened due to the merchants POS being sensitive and my phone was near when I was told I would need a physical card for the pre-authorization, however I was not informed by merchant that I was accidentally charged already. 
The call with the claims intake representative was disconnected on PNCs end and I was not contacted back. Without my knowledge my card was canceled and I was locked out of online banking and was not able to use telephone banking due to not having a pin. This caused a huge inconvenience in attempting call back into PNC. Another agent was then able to file another dispute. 
On XX/XX/2024 I sent an email to XXXX with the supporting documentation of proof of payment by another entity as advised by branch representative. 
In follow up, around the first week in XXXX I stopped at a PNC branch in XXXX NC and spoke with branch banker regarding dispute and at that time the banker made an internal call to claims were they confirmed my documents were received. 
On XX/XX/2024, I received a denial letter. 
On XX/XX/2024, I contacted PNC and was told the denial was due to failure to submit proof of another payment. 
PNCs lack of communication and initiative to follow & execute the claims process for a merchant dispute has caused me unnecessary distress and delays in dissolving banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
XXXX XXXX XXXX calls every other day while I am at work. They contacted my husband 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) On XX/XX/XXXX I was out of signal and XXXX tried to get him to set up a payment plan, tried using intimidation tactics and said he will note that we promise to make a payment amount of {$100.00} on a due date at the end of the month to which my husband declined, they tried to guilt trip him by telling him shes your wife, you should want to help her. We are in Montana where a spouse is not liable for another spouses debts. He told them we would figure something out when I was back and they continued to push him to set up payments for me, warning him that it could be in court next week.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. 

On XX/XX/XXXX, XXXX initiated a {$22000.00} wire transfer from my XXXX account under my full name, XXXX XXXX, with my address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, to my Chase account under my name. 

During the wire mistakenly, we missed a number, and the wire ended up in another person 's account who is deceased. 

On XX/XX/XXXX as I still hadn't received the transfer the Chase representative had already promised on the recorded line that the wire would return to the source within a couple of days. 

When I followed up on this matter, Chase then alerted me that I should call a XXXX attorney without any explanation of what the attorney should do or what the issue was that I couldn't retrieve my {$22000.00}. 

In the meantime, I'm missing the {$22000.00}, which I was depending on to cover my XXXX XXXX XXXX 's medical expenses after her Stage XXXX XXXX diagnosis. 

It has come to my attention that I'm protected by the Electronic Fund Transfer Act of 1978 ( EFTA ) ( 15 U.S.C. 1693 et seq. ), which was enacted to protect account holders for these situations. It is my understanding that the bank has a responsibility as a financial service to assist in resolving problems for their customers.

I hope you can assist me in rectifying this issue.

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
A capital one card was opened without my consent or knowledge and money is being spent without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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 me checking my credit reports i discovered three fraudulent acccounts on XX/XX/2024

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 2024-04-16 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:
Upon me checking my credit reports i discovered three fraudulent acccounts on XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: GA

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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-16 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: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-16 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: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: AL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-04-16 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: AL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: WI

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
We are a retired couple, XXXX residents currently, living in XXXX, relying on social security as sole means of support. 
Beginning late summer XXXX, we were repeatedly hit with phone text messages from Bank of America alerting us of attempts to transfer money out of our Bank of America XXXX account. At each instance, we immediately called in to the bank to confirm our account was safe. 

In late XX/XX/XXXX, we received an INCOMING PHONE CALL from a bank XXXX XXXX Bank of Americas customer service telephone phone number, which number my wife has in her phone contacts ( XXXX ) XXXX. ( She worked many years for Bank of America in Maine and Florida. ) This self-identified Bank of America XXXX offered to help stop attempts to permit future unauthorized transfers and walked us through the required steps. 
We asked and got his proper name and that of his supervisor, but we did not disconnect and call back to confirm identities. THIS WAS AN INCOMING CALL FROM THE BANK CUSTOMER SERVICE CENTER MAIN TELEPHONE NUMBER. 
This individual recited deposits and debits to our operating account and knew our savings account balance to the XXXX. 
He recommended we change our account passwords but cautioned that we wait XXXX hours before making the changes to confirm the fraudulent transaction was stopped. 
Wanting to confirm our savings account funds were safe, we called Bank of America fraud department the very next morning only to learn our funds were, indeed, fraudulently taken from our account. Weve since learned from Bank f America the recipients name , street address ( but not city/town ) in GA and the receiving bank ( XXXXXXXX XXXX XXXX XXXX THE SCREEN SHOTS FROM OUR CELL PHONE ARE ATTACHED TO THIS COMPLAINT, ALSO ATTACHED IS THE CONTACT INFORMATION FOR OUR BANKING CENTER MANAGER WHO ATTEMPTED TO REMEDY THE FRAUD FOR US. 


We reported the incident to the XXXX, XXXX XXXX XXXX. We have also contacted the Maine XXXX XXXX XXXX XXXX. ( While very concerned about the incident happening to ME senior citizens, we were informed the agency had no authority with out-of-state federally-regulated banks. ) We have since been informed in writing that Bank of America told us the incident was not their problem and they could no longer be of any help.

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 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report. I did not authorize its creation or use. Enclosed are the documents to substantiate my claim.

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 2024-04-16 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: AL

Complaint narrative:
I am exercising my " consumer '' rights under FCRA, FDCPA, XXXX and the XXXX in regards to information being reported by Equifax. 

Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. 
I am " DEMANDING '' removal of any and all CHARGE-OFFS from my " consumer '' reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. The IRS has confirmed that a 1099-c ( discharge of debt ) has been issued for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. According to the law it is ILLEGAL to report transaction history. Pursuant to the PRIVACY ACT OF 1974 and the FCRA XXXX. 

I have continuously disputed these items with Equifax and they have not provided me with the information requested to VERIFY these accounts including ( XXXX ) whom the accounts where verified with, ( XXXX ) the original contract including my wet signature, ( XXXX ) the verification of all " transactions '', and the verification that I in fact a " natural person '' the " consumer '' gave them authorization to report and/or publish this information. 

In addition according to XXXX XXXX XXXX XXXX - XXXX " creditor '' XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. There are a number of late payments included on my " consumer '' report that have been falsly reported and I am " XXXX '' immediate removal of this inaccurate information. Pursuant to XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been concluded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
Excessive phone calls in violation of Fair Debt Collection Practices Act. Ive received XXXX phone calls in the past XXXX  days. Including XXXX instance of XXXX phone calls in XXXX day and XXXX phone calls on another day. Messages left on my voice mail reveal private information about the debt.

Company response to consumer: Closed with explanation