vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank failed to notify me of a large number of fraudulent debit card transactions totaling approx. {$2000.00} ( XXXX XXXX XX/XX/2023 ). This was a student account. They were notified, at opening, that this account was a dedicated repository for college funds. The fraudulent activity was extremely different from my usual transactions. I have had several issues managing my account using their recommended app. Though I had push alerts set up in the app, they vanished, unbeknownst to me. 
Once I discovered the fraudulent activity, I notified the bank. I ordered a new debit card and closed the compromised account. The bank opened up an investigation, but never put the required provisional funds in during this period. The bank did conclude and denied my claim. I am still awaiting paperwork several weeks later that detail results and findings of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
This kickoff company never send me a book the they said they will they keep charging me and report it to the credit bureaus like if they really sold me a book when is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas. 
Several days later, I rec 'd the credit card ( not dated ). 
On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up. 
I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again. 
Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok. 
It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

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 explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Account was charged off XXXX. And closed XX/XX/2020, never sent 1099c form to notify so I could balance the books. I'm the XXXX of said accounts. And there's been No written agreement to share Any information pertaining to account.Experian/ XXXX XXXX Do Not have my permission at all displaying personal information

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS BEYOND RIDICULOUS. I DON'T KNOW HOW THESE CONSUMER REPORTING AGENCIES CONTINUE TO GET AWAY WITH REPORTING INFORMATION WITHOUT PROVING ANYTHING. I KNOW FROM READING THAT I AM THE ORIGINAL CREDITOR SO HOW CAN THEY JUSTIFY THEIR ACTIONS.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in XXXX. 

Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. 

Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. 

I am asking to delete derogatory information from all Credit reports ASAP. 
Thank you for understanding and consideration of the seriousness of the situation.

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 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Start Connecting dba USA Student Debt Relief
State: IN

Complaint narrative:
On XX/XX/2023 we were contacted by USA Student Debt Relief by XXXX XXXX who is a Representative for this company. Other names we had contact was XXXX XXXX. His direct line phone number is XXXX. He made a good sales pitch and we applied for their program. We then received on XX/XX/2023 from the U.S. Department of Education stating that there was fraudulent activity on our student loans. We sent him our information to apply for the loan and was approved. After we got the e-mail from the federal government we were concerned about fraud. We were told by XXXX XXXX that we needed to pay {$190.00} a month that would go directly to their company for 4 months then {$9.00} a month for the life of the loan after the first 4 payments. We became suspicious about this and called him to cancel the loan. The company didn't explain to us how this would work. We took all the precautions and necessary to stop payment to this company. I hope this will help people to not fall for this scam!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/, I sent in a letter to requesting Equifax to verify a Bankruptcy they are reporting on my credit report. As of XX/XX/2023, I have not been notified of any results into this investigation. According to the FCRA, Credit Bureaus have within 15 days to respond to a consumers request for verification on accounts. Equifax has definitely violated my rights as a consumer because it has been 45 days passed the required response time. I requested this Bankruptcy to be verified from Equifax because I received a signed and sealed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. Please mail me a physical copy of my credit report when the above deletion has been executed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I sent in a letter to requesting Transunion to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified by Transunion that my investigation results were complete. Transunion verified a bankruptcy on my credit report and signed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau. Transunion violated my rights by verifying inaccurate information.

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 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my Chase bank account. I confirmed that my information : account number and routing number are all correct. 

XXXX XXXX XXXX  XXXX XXXX XXXX  as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. 
I opened case to XXXX. XXXX requested to XXXX XXXX about the transaction. XXXX XXXX replied them that JPMorgan Chase confirmed the transaction has received with no return. However, Chase does not see any action happened to my account. 
I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to Chase bank with this trace id, no luck. 

Amount I'll receive {$43000.00} Sender : XXXX with XXXX XXXX XXXX date : XX/XX/2023 Receiver : JP Morgan Chase Effective Date : XX/XX/2023 Trace id : XXXX XXXX, XXXX XXXX, Chase are not helping to locate my fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Online, on or about XX/XX/XXXX I attempted to transfer XXXX from my checking account at Citizen 's Bank to my son 's back account at XXXXXXXX XXXX I entered all of the requested information and when I clicked on the " submit '' button, I rec 'd an online error message stating that the transaction was denied and that I should contact the bank. I called the XXXX number for the bank and I was told by customer service that the transfer did not and could not go through because my name was not on my son 's account at XXXX. I believed what the customer rep had told me and that the XXXX could not be transferred from Citizen 's Bank to XXXX. I then made other arrangements ( not involving Citizens Bank ) to get XXXX to my son. A couple of weeks later I checked my account online and I saw that XXXX was in fact deducted from my checking account and transferred to my son 's account at XXXX. I called the customer service department at Citizen 's Bank and they confirmed the transfer. The rep informed me that I could file a claim and that I would receive a response in the mail. A few days later I rec 'd a letter from Citizen 's Bank stating that " the claim was closed as per customer 's request ''. I called the bank and filed and filed the same claim and a few days later I rec 'd yet another letter stating that " the claim had been closed due to customer 's request ''. I filed the same claim again shortly thereafter and I did not receive any response. I called the bank on XX/XX/XXXX and filed the same claim again. I have not rec 'd a response from Citizens yet. I would like to get refunded the XXXX that was transferred to XXXX XXXX  without my knowledge and without my permission. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. 
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX tickets Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. 

XXXX  portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX  at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding unauthorized inquiries and the misuse of my credit report. The incidents in question occurred between XX/XX/XXXX and XX/XX/2023. I believe that XXXX XXXX XXXX  has violated several provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 

I have provided a detailed account of the events below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023, Unauthorized Inquiries : During the aforementioned dates, I visited XXXX XXXX XXXX to inquire about purchasing a vehicle. I specifically requested that my credit information should not be accessed without my explicit consent. However, despite my instructions, XXXX XXXX XXXX conducted multiple unauthorized inquiries on my credit report. I have evidence in the form of notifications from the credit reporting agencies indicating these inquiries. 

Misuse of Credit Report : Furthermore, I discovered that XXXX XXXX XXXX  misused my credit report by disclosing it to unauthorized parties without a valid permissible purpose. I obtained this information through subsequent credit monitoring services, which alerted me to unauthorized access and sharing of my credit information. This unauthorized sharing puts my personal and financial information at risk and violates the privacy protections provided by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding unauthorized inquiries and the misuse of my credit report. The incidents in question occurred between XX/XX/XXXX and XX/XX/2023. I believe that XXXX XXXX XXXX has violated several provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 

I have provided a detailed account of the events below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023, Unauthorized Inquiries : During the aforementioned dates, I visited XXXX XXXX XXXX to inquire about purchasing a vehicle. I specifically requested that my credit information should not be accessed without my explicit consent. However, despite my instructions, XXXX XXXX XXXX conducted multiple unauthorized inquiries on my credit report. I have evidence in the form of notifications from the credit reporting agencies indicating these inquiries. 

Misuse of Credit Report : Furthermore, I discovered that XXXX XXXX XXXX misused my credit report by disclosing it to unauthorized parties without a valid permissible purpose. I obtained this information through subsequent credit monitoring services, which alerted me to unauthorized access and sharing of my credit information. This unauthorized sharing puts my personal and financial information at risk and violates the privacy protections provided by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name

Company response to consumer: Closed with explanation