vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XXXX XXXX ) XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - EXPERIAN 1 ) XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - XXXX 1 ) XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry 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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX Address:XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Consumer XXXX Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; 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 
These banks are not allowing me to open up a bank account with them because I am in ChexSystems thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Inquires without my knowledge and or consent. Please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a $ XXXX purchase on my Comenity XXXX. My plan was to pay off the balance the following month. However, I was unable to due to issues with the company 's website. I made many attempts to contacting them with no success. I even sent a letter to them informing them of my difficulties to pay off my balance. On XX/XX/XXXX, I manage to pay $ XXXX towards my balance. Since I didn't pay off the balance, {$75.00} interest was added on my balance despite their website was under update, so I was told. the company still charged me even though I asked for waiver. On XXXX, XXXX, I made a payment of $ XXXX which and additional interest of {$64.00} was added again to my balance. On XX/XX/XXXX, I contacted customer service to pay off the balance once and for all. I asked for the current balance to be paid and was told {$2100.00} I paid it off. Then a week later I checked my account and noticed I still had a balance which now increased to {$2100.00}. So, XX/XX/XXXX, I called customer service once again and was told that the payment I had made was returned, so extra fees was applied. I told them that I would pay the balance and requesting that my account be closed permanently. They agreed to comply with my request. The following month I received a statement for a balance of {$49.00} I have been trying to dispute the balance ever since and as of XX/XX/XXXX, my balance is {$300.00} of just fees which I have asked to close the account not including any purchases. I made several attempts to resolve this concern, however, Comenity made no effort to assist me. I even reached out to the CEO of the company. This issue has affected my credit score and wants it resolve. Please help me for I'm running out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
{$1200.00} {$720.00} Commonwealth financial negatively impacted my credit on an account paid by insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All have violated my rights.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All have violated my rights.

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 2023-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was looking at my statement & I noticed that on XX/XX/XXXX there were 31 withdrawals from my savings account, 28 in {$100.00} withdrawals and 2 in {$80.00} & 1 in {$40.00} and on XXXX there were 30 withdrawals of {$100.00} from my savings account. I called the Chase number on the back of my debit card and told them I hadn't done the withdrawals and they were unauthorized. 
I realized then that a call I received on XX/XX/XXXX must have been a fraud call. I received a call from a person saying they were with Chase bank, they stated there was a charge on my card in XXXX, GA and wanted to know if it was a legit charge, I told them no and they stated they needed to verify the card to cancel it and send me a new one and they asked for the last four numbers of the card which I gave to them. They said a new card would be mailed out and I should get it in a few days. I said Ok and hung up. 
When I talked to Chase rep on the XXXX  they said they would look into it and let me know in 4 -6 business days. I waited till XX/XX/XXXX and noticed that on XX/XX/XXXX they had reimbursed me {$3000.00} for the XX/XX/XXXX withdrawals. I called them and asked why I hadn't received the {$3000.00} for the XX/XX/XXXX withdrawals and the 1st rep couldn't answer it so she said she would escalate it and send me to a supervisor. The person I talked to stated that the 1st part had been approved and she checked and said the 2nd part had just been approved and should be in my account in the next day or two. 
On about XXXX the {$3000.00} was put into my account, then on about XX/XX/XXXX I noticed that the 1st deposit of {$3200.00} had been removed from my account. I called them immediately and they then told me that the 1st approval was only a temp and that they had rejected the claim and took back the funds. I argued that they had told me it was approved but they wouldn't change. I immediately went and withdrew all the rest of my funds, and I closed all my accounts on XX/XX/XXXX. 
I contend that 1. ) The transactions were never authorized 2. ) I was told by Chase management that the funds were approved, and I would be refunded, they did refund then they backed out of their agreement 3. ) Their fraud department should have noticed the unusual withdrawals and notified me before approving them all.

I moved my accounts to make sure they did not take the 2nd {$3000.00} but I want the {$3200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was scammed by someone who used this 3 companies names in 2 different banks : ( XXXX XXXX XXXX AND XXXX XXXX ) at XXXX XXXX XXXX ) based in California under XXXX clients. And the other company is XXXX XXXX XXXX. WITH JPMORGAN BANK. also under XXXX clients ) I tried to get my money through my bank but these banks are refusing giving me my XXXX $ back. ( I got pictures, bank accounts, dates, names, ) all I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had set up a withdrawal out of my checking account for the amount of {$36.00} from the creditor ( XXXX ) on XXXX XXXX XXXX There was auto deposit in the amount {$1900.00} that morning on the same day. Which was verified. 
The issuing company ( XXXX ) states that is was rejected by chase. On that date. 
Chace rep claims that the transaction was rejected due to insufficient funds the statement says there was money in the account at the time. When I went back online to find this transaction it was no longer there. I call chase back to be place on hold for 2 hours. I then called back to be sent to someone in inda who I could barely understand what he was saying. I had repeated myself so many times to explain to him what the problem was with no results. I then asked for a manager or senior person, to be placed on hold for 20 mins then the line went dead. 
I have transaction from XXXX but not chase saying the even got a transaction?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, I deposited a check from my home owners insurance and was told by the bank teller that it would be a 7 day hold. After the 2nd hold day, I received an email and letter stating that the check needed another endorsement from my mortgage company. I went to the bank spoke with the teller, she refused to give me the check so I called the insurance company to cancel the check. The insurance company stated that they could not cancel because the check had already been cashed. The bank then said they would place a 14 day hold, then a 30 day hold. On XX/XX/XXXX, the teller from the bank informed me that the funds were returned to the insurance company. After calling the insurance company to check on the funds several times, we recognized that the funds were never returned. On XX/XX/XXXX, the insurance company submitted an affidavit to recover the funds from the bank. On XX/XX/XXXX, the bank placed the funds in my account and I began to use the funds for my home repairs. Then, on XX/XX/XXXX they removed the funds. I called to ask why, and they don't give me an answer. One customer service rep stated that the funds could not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim  '' I owe XXXX? 

This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 


Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim. 

See attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX XXXX ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - XXXX  1 ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - XXXX 1 ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; Citizens bank ( Charter one bank ) XXXX {$1100.00} XXXX {$650.00} XXXX {$390.00} These banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

Company response to consumer: Closed with explanation