vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 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: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have Bankruptcies listed on my credit report that are not mine. I have been fighting with the bureaus for almost 8 months to remove. First they claim the coolers were verifying it and i sent proof they were not. I have sent documentation from the court stating that are not mine also documentation from XXXX XXXX whom they claim is verifying it that they also dont have this information on their reports. I Have asked several times for validation letters and information on the person verifying the incorrect information and still have not received anything. XXXX XXXX has also filled dispute and never heard 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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XXXX of XXXX  I received notice that my mortgage, which was originally a XXXX XXXX XXXX, and had eventually been transferred to XXXX XXXX Management, was transferred again, to an entity called " XXXX  XXXX  '' My payments are all current, and I had seen an automatic deduction of the payment amount on XX/XX/XXXX from my checking account. I was then debited an additional ACH debit, of the same amount, on XX/XX/XXXX. 

As a result I have been charged 2x the due amount for the month and had thousands of dollars removed from my checking account despite no payment being due. 

Calling the company and asking for an agent does not work, the automated system appears to be broken. Sending messages via their online platform has lead to no response. In addition their online platform shows no record of this transaction. 

I have no prior relationship with this company and they have essentially stolen thousands of dollars from me. I am hoping they will be investigated and seriously fined, this is the kind of mistake that could cause actual physical harm to someone on a limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears/ Citi retaliated against me for a prior complaint and closed my Sears XXXX account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the XXXX XXXX  upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the XXXX XXXX . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms XXXX XXXX XXXX XXXX XXXX XXXX which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the XXXX debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the XXXX XXXX  . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over XXXX XXXX ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company- XXXX account number XXXX 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 

XXXX XXXX Account Number XXXX 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 

XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As instructed by us, Capital One debited our account on XX/XX/XXXX to pay a credit card bill. The credit card company ( also Capital One ) claims it never received the payment. One day in XXXX we were on the phone with Capital One bank for over an hour, at the end of which we were told that the debited amount would be recredited to our account. As of today ( XXXX ), this has still not happened. Meanwhile, we are getting nasty notices from the credit card company. We will pay our bill once, but not twice. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo open an account unauthorized in my name a checking account I had no idea until I got an email stating that I had an account open.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report.

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 I contacted Chase Bank re : my Chase Slate card. I advised Chase that I was going to do a balance transfer, then close the account. I was given the payoff balance. I had NO pending charges. On XX/XX/2023, a balance of {$3600.00} was transferred From my Chase Slate card, to the XXXX credit card. I then went online to confirm that the card was closed. XXXX of this year, I began receiving phone calls from Chase Bank re : a charge. I advised the phone representative that I have not had a Chase credit card since I closed it in XX/XX/2023. The representative did some checking, APOLOGIZED and said that she will make sure it's closed and that there should have been No ongoing charges since XX/XX/2023. XX/XX/2023, Chase reported my account 185 days past due, with a card closure date of XX/XX/2023. My credit score has tanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXX XXXX  held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of this

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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As soon as I realized that our insurance company did not receive the wired funds ( over $ XXXX ), and that the emails from my insurance broker were XXXX, I filed claims with Chase on each one as well as recalls. I also filed an IC3 complaint with the FBI on XX/XX/XXXX and supplemented it on XX/XX/XXXX when I noticed on XXXX that someone from XXXX XXXX viewed my profile in dark mode ; XXXX XXXX  is the bank to which I wired funds as per the direction of my " broker ''. Chase denied our claim, as per a letter mailed to us on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: IL

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I need for the following credit inquiries to be deleted immediately : 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 2023-09-13 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXXMy debit card was stolen and used at a XXXX store. The amount charged was {$1200.00}. I immediately called bank and had debit card cancelled and all credit cards cancelled. The restaurant also filed a police report. I logged into my TD Bank online banking app that evening to make sure the perpetrator did not access my checking account and steal any money from my checking account. 

XXXX filed a claim with TD Bank. 


I waited for months to hear back and they denied the claim. I received a letter on XX/XX/23 stating they denied claim. I called to ask why and was told that I need to submit a police report. On XX/XX/23 I started a new claim. Claim # XXXX. On XXXX, I received a letter stating claim was still being denied. I attached the police report, the checking account statement which showed the unauthorized charge and also my credit card statement which showed the perpetrators using my credit card at several other stores in the same shopping center at the same time. 

XXXXWent to branch and resubmitted all documentation along with a letter asking for an explanation for why the claim was being denied. No one responded by letter, email or phone call. 

XXXX I called to follow up and was told that I needed to get security footage from the place where theft took place. On XX/XX/23, I received surveillance footage of the two women responsible for stealing my wallet out of my handbag. It is visible on the surveillance tape. 

I also called XXXX and asked if they had security footage and no one has returned my call. 

XXXX called TD Bank to follow up on my claim. No one has contacted me with any info on why my claim is denied. I asked to speak to a supervisor and she said that I needed to go back to the branch and resubmit or open a new claim because my claim was " closed. '' The supervisor was going to submit a Smart Form and " escalate '' my case. She was going to personally forward all of my evidence to the fraud investigation team. She said she would need a few days and she would get back to me personally. No one has responded to me. 

XXXXI went to TD Branch and had them reopen my claim. Claim # XXXX

Company response to consumer: Closed with explanation