vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-08 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Type : Charge Account Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
This is the SECOND time Bank of America has allowed an account be opened under my name and information. The 1st time I reported it and it was closed. Now i received 2 emails to verify my email for online banking account and to congratulate me on opening 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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I made a purchase through XXXX on XX/XX/2023, Order Number : XXXX. I paid for this purchase with my XXXX gift card, and it was also processed by XXXX as an Affirm loan which I did not authorize. Affirm has reported this purchase to the credit bureaus as a delinquent account as of XX/XX/2023 for the amount of {$33.00}. I do not owe Affirm for this purchase. XXXX does because Affirm paid XXXX for this purchase and so did I. XXXX was paid twice for this purchase and that is fraud. I contacted XXXX and Affirm and tried to dispute this transaction with no resolution. Please see the attached confirmation email from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: IL

Complaint narrative:
On XX/XX/XXXX of this year i wrote a letter to Transunion to notify the Elaborate mechanism that they are indeed Reporting fraudulent information By Reporting a Late Payment on to my consumer Report without Permissible Purpose & Violating My Right To Privacy, Thus Ruining my reputation. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

I Explicitly Stated within the Letter in which i Wrote to Transunion that I, the Consumer never Gave them ANY Permission to Disclose ANY Late Payment information on to my Consumer Report. No Consent is AGGRAVATED IDENTITY Theft. 

No Consent is An Invasion to my Privacy as a Consumer. 
I have a Right To Privacy Pursuant To Federal Law and The Company Transunion has completely Disregarded my Right and The LAW Simultaneously. 

Their Negligence to Comply with Federal law has caused me Emotional Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Their disregard for Federal law & Deceptive Practices is Causing me to lose trust within the Banking System.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX sent me a letter saying they will be deleting the account off my report. TransUnion still have them on my 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 non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2023 at XXXX XXXX. I received a text from Macy 's Security Alerts, " Your macys.com email address has been updated. Didn't request this change? Contact Customer Service at XXXX. '' I contacted the number, and they kept telling me they were unable to help me because the email address I gave to them wasn't in their system. This is exactly the issue I was calling about. Someone changed my email and took over my account, making purchases. They finally took my phone number and accessed a portion of my account and said they removed my Macy 's card from the account. I asked them to remove all of the cards associated with the account and they said they couldn't do that without my email address. My husband works in XXXX. There is a way to look up the old email address to see what activity has been going on in an account, even when an email address has been changed/compromised. We kept going in circles. I requested a manager or someone who could understand what I was asking. They disconnected me. I called back, waited XXXX minutes and finally talked to someone who then told me that HE removed my card from the account. Someone had allegedly already removed it from my account the first time I called, so now I have zero faith that the card has been removed. They told me they would send a new card. I asked to speak to a manager/supervisor, and I was again disconnected. I need someone to remove all of the credit cards associated with my Macys.com 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 2023-05-08 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been on vacation XXXX today XXXX and received information from XXXX app that a XXXX Bank for XXXX PayPal credit card account in the amount of {$700.00} was opened during that time period of my vacation ( went to XXXX XXXX XXXX and in XXXX, GA from XXXX and 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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Unable to access my account online ( mobile phone ) since XX/XX/2023. Had a XXXX card with XXXX. Apparently XXXX was taken over by Wells Fargo. 
I had no choice in this. 
I was told by Wells Fargo that I can activate my Wells Fargo Master Card on XX/XX/2023 which I did and the credit is working However, I put the Wells Fargo app on my phone but cant access my account. After SEVERAL phone calls and speaking to Several different people and getting different responses why I cant access my online account ( like my phone number didnt transfer ) Im extremely frustrated and anxious about not being able to see my account. I need to be able to access my account. I havent been able to see it since XX/XX/2023. Please help me get this sorted out. Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IN

Complaint narrative:
AssetCare is trying to collect a bill for an emergency room visit that resulted in admittance to the hospital for 48 hours. At the time, because I was under distress, I did not have my wallet when I went to the ER and therefore did not have my insurance card available at the time of check in. While I was in the hospital however, someone brought my wallet and I gave the hospital the insurance information BEFORE being discharged. I never received any bills and assumed this emergency room bill was taken care of by insurance. Now I have collections on my report from Assetcare stating I owe and they have no record of insurance. The bill for the hospital stay itself however was sent and paid for by insurance.. Insurance was never billed for this claim and therefore they should not be able to collect this debt. They have ruined my clean credit by reporting to the 3 bureaus with these inaccurate illegal attempts to collect a debt that insurance would have covered had they have been billed originally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: NJ

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 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 non-monetary relief
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX account was close and paid off with a XXXX balance they refuse to update the information on my credit report XXXX XXXX XXXX XXXX this account is close. It paid off with a XXXX balance. They refused to update the information on my credit report. 

XXXX in XX/XX/XXXX this account is closed and paid off, is still shows up with a negative balance, a late payment and they refused to update it 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE

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 2023-05-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 XXXX and XXXX XXXX transferred ( ACH ) {$62000.00} from our Savings account ( XXXX ) at XXXX  XXXX XXXX to Wells Fargo XXXX XXXX XXXX XXXX XXXX as a final payment for a new XXXX. Order and confirmation number XXXX. The money was never received by XXXX and Wells Fargo has not responded to the recall of the funds. Recall # XXXX. I have spent hours on the phone with XXXX  XXXX XXXX with no help ( we have been customers for 39yrs )

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank, at which I had checking and savings accounts for 40 years, is unlawfully holding my funds and refuses to release them. 
This complaint follows my XX/XX/XXXX CFPB complaint ( # XXXX ). I sent the earlier complaint because a check I drew from my Chase checking account in XXXX was stolen and cashed, without my knowledge or authorization. Chase says it attempted to contact the bank that my stolen check was cashed at ( XXXX XXXX ), but that XXXX XXXX was unresponsive, and therefore Chase said, it would not help me recover the stolen funds. 
NOW : After Chase announced its refusal to help me, I sent complaints to CFPB ; to the New York State Attorney General ; and to the New York State Governor 's Office. Suddenly, Chase says that it HAS RECOVERED my stolen funds. 
And yet, Chase is not above retribution. In XXXX I received two envelopes from Chase, each containing one cashier 's check, and each for the exact amount of funds that were stolen ( {$2000.00} ). In other words, I have no idea what to do about this gigantic error on Chase 's part : Do I cash one check and destroy the other? Is the second check compensation for the heartache and trouble Chase has caused me? 
I notified Chase Executive Offices immediately about the issue. As of this writing I have received NO GUIDANCE from Chase whatsoever. 
How is this bank entitled to treat New Yorkers so cruelly and indifferently? 
I desperately need this money, and Chase is earning profit off of it. This is unfair. Please help me stop Chase Bank 's unlawful holding of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i summitted a online disputed as per my request it would verify in 30 days. Why does Equifax verified in two days. 
I don't understand why this keep happening. i keep getting the same error. i enclosed the email i got this morning. Within 2 days of disputing a inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I got married and my spouse is a member of the XXXX XXXX. 
One benefit to that was that he was able to sponsor me into Navy Federal, for identity purposes. I'll use the first letter of my maiden name " XXXX '' and my married name " XX/XX/XXXX'. 

The DMV 's are still months backed up/behind on appointments due to covid. 
My Drivers License has my maiden name of " XXXX '' on it, my married name is " XXXX '', my social security card has " XXXX  '' on it. 
Navy Federal allowed my to open my accounts with my name of " XXXX  '', even with these discrepancies and said they were not an issue. I provided them with my identification documents, and I was allowed to open the account. 
I've been using their services for 3 months now with no issues, making withdrawals, my card issued has " XXXX  '' on it. 

Without warning, Navy Federal locked me out of my account for security purposes. For no user error, just literally no reason. 

I physically went into the XXXX  Texas location, after days of speaking with representatives telling me I needed to send an email over to their security team with my ID, Social, Lease Agreement, Marriage License, and Utility Bill ( which I did ) to appear in person as well to prove my identity. Their security team denied me access to my account, as well as the staff of the branch ( the same exact branch I was originally allowed to open the account at ) and they are refusing to allow me access to my funds. 

I'm behind on all my bills, I've provided every single identity document that I have to provide, there is nothing more I can provide. Navy Federal allowed me to open the account with these same exact documents, and now are holding my money XXXX, this is absolutely outrageous. Why was I allowed to open the account? I've spoken with 8+ representatives, supervisors, no one is willing help me. I'm not sure what to do at this point. I can not get my ID changed just yet due to covid restrictions, that is not my fault and is out of my hands. I shouldn't have been allowed to open the account like that in the first place if they were gon na lock me out. They have taken zero accountability/responsibility, have not apologized or admitted fault, nothing. They are not willing to help me, they can not allow me to open an account with the same documents they're requesting from me, and deny me from my money. This is absolutely employee/staff error and I'm being punished for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
They was not interested no one ever explained my interest rate of 20.99 % for a XXXX  XXXX XXXX cost all together came up to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation