vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

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 explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo in XXXX Florida opened several fake checking accounts in my name from XXXX through XXXX. I filed a claim but never heard anything about the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Approximately 1 year ago, I informed Charles Schwab & Co. that an account had been fraudulently opened in my name. They have always acknowledged that the account is fraudulent. However, the account has never been closed. I have been getting repeated letters ( mailed to a former address but forwarded to me ) from Chares Schwab indicating that my balance is too low and threatening to refer my account to a collection agency. Each time I call, I am told that the issue will be resolved but it never is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
{$520.00} amount ... XXXX XXXX XXXX  original creditor ... opened XX/XX/2020... I called to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My company XXXX XXXX XXXX in XXXX XXXX, NY sold a watch to a client for {$91000.00} receiving funds as a Federal Bank Wire. The money was sent from a jp morgan chase account to our jp morgan chase account. The funds cleared and posted to our account which we then delivered good two days later after clearing in XX/XX/2022. The bank without any warning or notification to my company decided to withdraw the funds directly from our account two months later in XXXX 2022. After speaking with the bank managers and customer support representatives they stated that the transfer which was made at a jp morgan chase branch in person was fraudulent and they are unable to honor the funds that were sent to our account. the client we sold it to is no longer responsive. 

I do not understand that if it is the banks duty to verify a client and confirm their identity and then process and send funds to another account the risk is their own. 

We send and receive hundreds of wires per month without any issue, and every time there has been something the bank has notified my company, the bank states when sending a wire that they are irreversible and that is why we only take wire payment from our buyers. 

The bank stated they are investigating this and have went cold after weeks of emails and no responses from their management staff. 

If there is fraud going on at the branch level or their inability to verify a client to prevent fraud they have to be held responsible for their lack of the proper processes in order to conduct business. I am being made the victim here when the bank is the one who is suppose to be held responsible. 

I am missing {$91000.00} from my business checking account because the bank decided to remove the money from my account without due process and against their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MI

Complaint narrative:
I checked my credit report and I seen a card on there that I was the authorized user that I have no knowledge of. I contacted the credit card company plus XXXX to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit acceptance corp has sent me a summons and also bankruptcy attorneys have sent advertisements but to my boyfriends parents house, somewhere I have never lived, and this is someone I dont have contact with. I dont owe these people money but after going to court connect I see a lawsuit for me, they have the wrong addresses, I have never lived at XXXX XXXX XXXX I have never even used that address for anything. They have never sent me anything personally, this was a loan taken out by my ex husband in XXXX  and that was XXXX XXXX XXXX which is beyond the statute of limitations, as far as I know, no payments or even communication have been made with this company, sending my personal information to people I am not even related to is beyond a breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: GA

Complaint narrative:
I have come to realize that Transunion has included accounts in my consumer report that were a result of alleged identity theft. These accounts contain information that is not related to any of my transactions, and I have not received any benefits from them. To resolve this issue, I took the necessary steps and sent a written correspondence to Transunion, providing evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement as required by law. As per the law, Transunion is obligated to block and delete the accounts within four business days from the date they received my notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
In XX/XX/2023, I received {$1900.00} from my renters to my personal phone number via Chime. 
I had to create a Chime account at this time. 

On XX/XX/XXXX my renters sent their rent ( {$1900.00} ) via Chime again to my personal phone number, even though they were told not to use Chime. 

Chime would not allow me to transfer these funds to my actual bank account because I had not activated the chime debit card that I have no plan to use and didn't want the extra exposure to fraud. 

At this point, I attempted to send the money to my work phone number. 
The app asked me to double check the number which I did. 

I never received a confirmation email / text to my personal side saying the money was sent or received. I also never received a text on my work number as I was instructed by the app. 

I waited about 10 minutes and refreshed the app since no messages were received. 
The app then showed that Chime had not sent the money to my phone number but to some other random person that I do not know and have not ever met. 

I immediately called into Chime and let them know what happened. They filed a dispute to return the money. They did verify on a recorded line that I sent the money to my work number, but that they transferred it to this person because they had used this number in the past with their account but that they have changed their number. 

I called multiple times during this time and then they turned down my claim. 
I called in and they opened a rebuttal. 
I sent all of the details again through email. 

They denied this rebuttal but gave no reason why on XX/XX/2023, even though they have admitted to sending the money to wrong person. 

I called in on XX/XX/2023 and they opened another rebuttal, but said that they were not confident that this would change anything. 

They keep saying it could take up to 45 calendar days to be decisioned and they reset this clock every time they make a change. They also said if a decision wasn't made by 10 business days then a temporary credit could be applied, but this time is reset every time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted 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 2023-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted 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 2023-03-22 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, 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 2023-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
- In XX/XX/XXXX, I learned upon looking at my credit report that a company named XXXX XXXX XXXX had reported a collection account in my name for the amount of {$2200.00}. Since I didn't recall any outstanding debts, much less from this company, I disputed that with the credit Bureaus and they responded to my dispute saying that XXXX XXXX XXXX had validated the debt. 

- On XX/XX/XXXX. I sent a letter by certified mail to XXXX XXXX XXXX disputing the validity of the debt and asking for their proof that I own this debt and also their authority to try and collect this alleged debt. ( letter is attached ). I also made this a cease-and-desist request and requested that they remove this wrong information from my credit report unless it was 100 % verified. 

- On XX/XX/XXXX. I received an email from this company with a pdf file attached. ( both the email and file are attached here ). In this email, XXXX XXXX XXXX notifies me, for the first time, that a negative credit reporting action might be taken against me. After they have reported this item, without proof, for over 3 months. The pdf File shows an invoice that I have never received from an apartment complex and does not bear my signature. 

- On XX/XX/XXXX. I Sent a second letter by certified mail to XXXX XXXX XXXX, explaining how they were in violation of my rights and allowed them an additional 30 days to produce the proof I had requested on my previous correspondence. ( Please see attached letter ). Again, I requested for this wrong information to be removed from my credit reports. 

- On XX/XX/XXXX. I sent a third letter by certified mail to them. ( Please see attached letter ). In this letter, I stated once again how they failed to produce the appropriate proof that shows I'm liable for this alleged debt, as well as informing them what " Estoppel by Silence '' means and how refusing to respond to my requests must mean that they are in agreement with my statements. I allowed them an additional 15 days to resolve this matter, and I even mentioned my intentions to file this complaint if I did not receive absolute proof, or if they did not remove this false information from my credit reports. 

As of right now ( 30 days after the last letter ), XXXX XXXX XXXX has not provided any proof of my responsibility over this alleged debt. Neither have them responded to my last 2 correspondences in any way, shape or form. Therefore I am filing this formal complaint against them. 

This has been EXTREMELY damaging to my reputation and to my ability to acquire credit. I am a small business owner and the inability of securing a credit line has put tremendous amounts of financial strain on me and my family. I sincerely hope I can get this issue resolved through this formal complaint. 

All correspondence mentioned above are being attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXXXXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, 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 2023-03-22 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: OH

Complaint narrative:
My XXXXXXXX Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with XXXX XXXX Equifax. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, XXXX determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with XXXX, providing once again the proof of payment. 


Equifax has not updated m report after closing the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a Bank of America credit card that earns cash rewards when I use it. I had enough rewards to pay my XXXX statement in full which was {$160.00} with the cash rewards earned. The bill was due on XX/XX/23. The cash rewards of {$160.00} was applied on XX/XX//23 leaving a XXXX  balance. Just receive XXXX statement showing a late payment fee of {$25.00}. Called B of A to have the fee removed and they said that was the fee to use cash rewards for statement balance. Ultimately after much arguing they agreed to waive fee THIS TIME. 
This whole fiasco made no sense to me at all. By the way I pay my bill in full every month. 
What I dont understand is why I would have to pay a fee for cash rewards that I earned using their card.

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