vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within XXXX  days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

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 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), which mandates credit reporting agencies ( CRAs ) to block and delete fraudulent information caused by identity theft when appropriately notified. 

I Have been victim of a data breach, such as the XXXX Data Breach, also XXXX Data breech however the date expired where I can apply for the claim, but as I entered my information it was stated my information has been obtained during the databreech where my sensitive personal information was exposed.

I Discovered unauthorized and fraudulent accounts on my credit report such as Capital one, and XXXX XXXX  accounts I Seek to remove these fraudulent accounts quickly and permanently under my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CT

Complaint narrative:
I received a XXXX  Cash App card ( Issued by XXXX XXXX  ) in the mail in early XXXX, 2024. I did not request this card. I contacted the number advertised ( XXXX ) on XX/XX/year> to inquire about why I received this card. The company would not provide me with any details about why I received the card and demanded more information from me before we could proceed. I refused to provide any additional information because I do not trust a company that would send me a card in the mail unsolicited and then require my information to know more about it. At this point I thought it might be a marketing tool so I did not take my complaint of frustrations further. 
I then received a second XXXX  Cash App card ( Issued by XXXX XXXX  ) in the mail in XXXX. This card has a new number implying a new account. I did not try contacting the company after receiving the second card based on the response with the first card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I have disputed these inquiries several times, requesting documentation that validates my authorization or that I initiated these inquiries. Its persistence on my credit report is a violation of 15 USC 1681n, 15 USC 1681i ( 5 ), and 15 USC 604a section 2. I request that it be removed from my credit report.

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.

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 2024-12-28 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: Experian Information Solutions Inc.
State: TX

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 XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2024-12-28 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-28 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: KS

Complaint narrative:
I recently went over a copy of my credit report and noticed accounts that are fraudulent. I would like for these accounts to be removed, they are hurting my credit.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Subject : Unauthorized Overdrafts on Checking Account Details of the Problem : PenFed Credit Union allowed multiple transactions to go through on my account even though my checking account balance was {$0.00}, and my linked overdraft account was also overdrawn. I do not understand how these transactions were authorized, as there were no available funds to draw from in either account. 

As a result, my account balance has become further overdrawn due to these transactions, and I have been charged additional fees. I believe these charges and transactions are unjustified and contrary to standard banking practices. 

I have contacted PenFed Credit Union to resolve the matter and requested : 1. An explanation of how these transactions were processed.

2. A reversal of all overdraft-related charges.

3. A restoration of my account balance to {$0.00}.

However, my attempts to resolve this issue with PenFed directly have been unsuccessful or insufficiently addressed.

Requested Resolution : I request that the CFPB investigate this matter and require PenFed Credit Union to : 1. Provide a detailed explanation of how the overdrafts were processed when my accounts had no funds available.

2. Reverse the charges applied to my account due to these transactions.

3. Bring my account balance back to {$0.00}. 

Supporting Documentation : I have attached the following documents to support my complaint : A copy of my account statements showing the overdraft activity and fees. 
Any correspondence with PenFed regarding this issue. 

I believe this issue reflects a lack of proper account safeguards and would appreciate the CFPBs assistance in resolving it promptly.

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 2024-12-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor tha this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
On XXXX XX/XX/year> I deposited {$500.00} over from my son 's account ending in XXXX. You can see the company illegally changed the date in my ledger to the XXXX XXXX XXXX  and then took a XXXX XXXX  the account XXXX on the XXXX when that transaction was never showing on the XXXX of XXXX on my ledger ending in XXXX. You can see I also did a XXXX XXXX transfer. 

When I contacted the bank today over the telephone XXXX, the customer service lied and said that my account was in a negative {$110.00} which was not true and what I shared with her that I had more then enough money to cover it. If I didn't the person that I was being a blessing to for her faithfulness and hard work would have only received {$380.00} which she received the entire {$500.00} on that day and I screenshot her response on the XXXXXXXX XXXX XXXX These banks think just because I do multiple transactions that I am not going to cover myself. I cover myself because First Citizen, XXXX XXXX XXXX XXXX all have stolen money from me. 

These three banks I am petitioning to the CFPB to investigated thoroughly because there are plenty customers out there that these 3 banks are stealing from and they go into the system and manipulate dates and numbers to make me think like I do not know what I am speaking about but this time I have the proof with the attachments. I am not paying this over draft and the bank need to credit my account, fix their outdated digital system that is slow with transactions which causes overdraft. At times it shows I have no debit card, In the last two months there have been at least 2-3 times we as customers could not use our accounts because there systems were down. But they will not get rid of the old outdated system that is causes hardships on myself and other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I was victim of fraud at the end of XXXX and beginning of XX/XX/year>. 
My XXXX  son was urged to send a total sum of {$7000.00} to someone by the name of XXXX XXXX who claimed his life and our familys was in danger and urged him to send this money to stop this and save us. He was also told not to tell ANYONE about this as it will hinder her work. 
When I noticed the charges on my account I was unaware about the situation and I called my financial institution, JP MORGAN CHASE to notify them that there were 2 unrecognized charges on my account and asked help in finding a resolution, they informed me that there were more charges than I was aware about. A Chase agent provided me the dates and amounts my account was charged, then we proceeded to submit my claim. In less than XXXX hours I was informed via a digital letter than my claim was denied. I was not specifically given a reason why it was denied so I called my financial institution one more time. The agent that handled my call advised me that since there were more than one charge to my account, they denied my claim. I then told the agent that, since I added more security to my account per their advice the charges have stopped, I changed user name, my password added security questions, and a PIN or safe word to my account and also disabled XXXX. The agent persisted that there is nothing they can do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian XXXX XXXX XXXX, XXXX XXXX Ca. XXXX XXXX Reinvestigation Request Re : Consumer & Personal Info I am requesting a reinvestigation of the following accounts Listed below Account Name : XXXX XXXX XXXX XXXX Account Balance : {$9000.00} Dispute Reason : The payment history is reporting incompletely. There are many years that are missing data. It also says that this account is a collection but that is not reflecting on the account type. The monthly payment is inaccurate and reflects the total balance due. 
Were requesting a thorough reinvestigation of this account. Please make sure that all aspects of this account are reported 100 % completely and accurately. Per 15 USC 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals the monthly payment is reflecting XXXX ratio because it is inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I have been a Chase loyal customer for over 14 years. My whole family uses Chase and I felt like they were an honorable company that I could rely on. They have caused me so much distress and blatantly just do not care about the people they serve at all.

My mother opened my account XXXX XXXX when i was XXXX. I am now XXXX, and apparently our accounts are still connected in some way. My mother who is a law abiding citizen, never even received a ticket in her life was randomly notified from Chase that her account was being deactivated. My mother has been a customer for over 30 years, and when they decided to deactivate her account they informed her they are not able to tell her the reason. This is strange because it seems Chase can cancel anyones account with no reason and pretend its for something legitimate. But, I do know Chase has the right to cancel anyones account whenever they want, just like we can cancel with them anytime we want. 
So I get the notification that my account will also be cancelled. Which throws my life upside down because its XX/XX/XXXX and on the XXXX I owe my mortgage, property taxes, electric bill, and car insurance. So I go into my Chase bank and they make me a new account not associated with my mother and transfer the money there. This is fine, understandable.

I get notified the next morning that the new account is also being deactivated, so I call Chase and they say that I have been banned from Chase for life. Now this comes as a shock because I have never done anything to this company but pay everything on time and be a loyal customer. How could they do this to their customers? Nobody seems to care when I call, they are rude and aggressive and mean to me. Its clear they only care about money and not the people they pretend to work with. 
So this is fine, I will leave Chase bank and go to another bank. They lost my entire families business, you tell them that and they dont care. They are a XXXX dollar business and im one person to them. Its really sad. But now, I visit the bank and ask to withdraw my money to put into my new account and they have refused me. They said i must wait 10-15 business days for the account to be fully closed and they will send me a check for my balance. How is this legal? I have bills to pay as of the XXXX and they are telling me that I they are withholding MY money for 10-15 days? So i have XXXX dollars now and have to patiently wait for them to send me a check? I can loose my home, my power can be shut off, my car insurance cancelled. But again nobody cares. 
Chase bank needs to do the right thing and change this policy. My money is important to me, its all I have. This could be a very dangerous situation for me as I drive around with my child and have XXXX dollars to my name. I dont understand how they can do this to people and nobody says anything. 
Thanks for listening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation