vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report # XXXX, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: NC

Complaint narrative:
XXXX XXXX is a fraudulent account listed on my Consumer Credit Report. an account was established using identification without my permission. EXPERIAN should have deleted or removed the account from my Consumer Credit Report immediately

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 2024-02-17 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: TX

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 2024-02-17 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: CT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-02-17 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Subject : Cease and Desist Letter Regarding Unauthorized Credit Reporting Violation of FCRA and New Jersey Identity Theft Laws Dear PNC BANK, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft laws, particularly New Jersey Statutes Title 2C:21-17.

It has come to my attention that PNC BANK has engaged in unauthorized reporting to my credit report without first obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New Jersey state law, specifically New Jersey Statutes Title 2C:21-17, underscores the severity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. 

I wish to assert unequivocally that I have not provided consent for PNC BANK to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand that PNC BANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including New Jersey identity theft laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA and New Jersey identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect your immediate attention to this matter and anticipate that PNC BANK will promptly rectify these violations, demonstrating respect for my rights under federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a closed account from Citibank on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call Citibank several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call Citibank every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I instructed TRANSUNION to investigate XXXX an XXXX XXXX because the accounts are FRAUDULENT. These accounts were established using identification without my permission

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 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My business utilizes Chase banking services for handling all business transactions. Recently, we transitioned to a new accounting software called XXXX, which integrates WePay as the processing company for ACH and debit/credit card payments. XXXX has confirmed the successful collection of our invoice payments from our client. However, WePay, the processing company, has abruptly closed our account without explanation, holding our funds totaling {$8600.00} ( {$8400.00} after processing fees ), as detailed in the attached correspondence. We have encountered no issues in the past, and WePay has provided no guidance or resolution regarding this matter. Despite efforts from both XXXX and Chase to find a resolution, no success has been achieved. As a small business, this situation severely impacts our day-to-day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 non-monetary relief
Consumer complaint received 2024-02-17 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: NJ

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-17 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: NJ

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-17 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. 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 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 2024-02-17 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. 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 2024-02-17 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Subject : Cease and Desist Letter Regarding Unauthorized Credit Reporting Violation of FCRA and New Jersey Identity Theft Laws Dear PENTAGON FCU, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft laws, particularly New Jersey Statutes Title 2C:21-17. 

It has come to my attention that PENTAGON FCU has engaged in unauthorized reporting to my credit report without first obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New Jersey state law, specifically New Jersey Statutes Title 2C:21-17, underscores the severity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud.

I wish to assert unequivocally that I have not provided consent for PENTAGON FCU to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a disregard for federal and state laws.

I demand that PENTAGON FCU immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including New Jersey identity theft laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA and New Jersey identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices.

I expect your immediate attention to this matter and anticipate that PENTAGON FCU will promptly rectify these violations, demonstrating respect for my rights under federal and state laws.

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 2024-02-17 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I had posted an item ( XXXX XXXX wedged heel ) on an online buying-selling app XXXX XXXX ) I priced them at {$30.00}, and that same day I had a buyer and we communicated the text on smartphones, she lives in XXXX, and offered to send an extra {$20.00} for XXXX.After discovering that CASHAPP would be the better transaction, I provided the email ( XXXX ) & the tag ( $ XXXX ) associated with CASHAPP. I was told a few minutes later that payment was sent, not receiving payment I checked my email about the status. There was an email stating that the transaction didn't go through do to an '' account upgrade '', for XXXX  XXXX, I did ask/want or authorize an upgrade or there was no need to do so, & that additional money was needed because of this {$50.00}, the buyer felt the need to do so ( she wanted the shoes ), now I'm to receive {$100.00}, again another email from CASHAPP tell me to get this {$100.00} I need to purchase an XXXX card and provide its information for the release of my {$100.00}, THE SCAM STARTED WHEN I DID'NT RECEIVE THE ORGINAL {$50.00}. I contacted CASHAPP explained the transaction and an email was sent to me, I was thanked and told the matter would be looked into, I have yet to hear back from CASHAPP, I have had trouble getting the Support to reply, and money transactions unauthorized, disappeared, business account disappear and they have no clue to anything unresolved matters. It is not right or fair, $ I will go as high as needed to make CASHAPP accountable, and there is power in numbers. This is a CASHAPP operation at times to many.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I opened an account with this financial institution back in XXXX. We opened a checking and savings account and had my husbands payroll check set up for direct deposit. Im not sure why or how a second checking account was opened later. The first account stayed active and I didnt pay any mind to it even when my husbands direct deposit was switched to the second account. What I didnt notice and came to find out later was that my husband was never added to the second bank account yet they where still able to process his direct deposits into an account that was not under his name or showed him on a joint account like it did on the first account that was opened for us. I went to XXXX of their branches but when I questioned the teller she rudely answered she did not know and made it very difficult for us. My husbands direct deposits still kept on coming through the second account so I called to have him put on the account. They said they couldnt add him because he didnt have a social security number but that they would send me paperwork for him to fill out and that we had to send it back to them so they could review and see if he could possibly be added. Up until yesterday my husbands direct deposit came through but this morning when I opened my mobile app I saw that the account that was receiving his direct deposits no longer showed along with our money. I tried contacting them and All I got in response was that the account was closed and that if there was any money in the account that they would send out a check to our address. No explanation

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