vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2024 I received an email that XXXX tried to take money from my bank account. I called immediately and got my card cancelled. I thought everything was fine. Today, XX/XX/2024 I got another email that said my account was overdrawn {$300.00} because an authorized charge from XXXX was put through on my closed card. I called Wells Fargo immediately and was told they cant do anything until the resolution of the claim. Now I have to pay back money, that I clearly cant afford, to fix the overdraft that shouldnt never have happened in the first place since I called and reported fraud and closed my card out.

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 2024-04-26 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-26 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
As a result of a scam, which involved my opening an attachment to a fraudulent email, someone took charge of my computer and made a cash withdrawal of {$5000.00} from my Truist credit card and deposited it in my Truist checking account, on XXXXXXXX XXXX XXXX Without my knowledge, Truist adjusted the cash withdrawal and the transaction fee of {$200.00} and then reversed their decision on XXXXXXXX XXXX XXXX. I withdrew {$4400.00} from checking and sent it via a XXXX XXXX to a XXXX  address on XXXXXXXX XXXX XXXX. The State of Maryland, Office of the Attorned General, Consumer Protection Division said in a letter dated XX/XX/2023, that " Based on the information provided, this appears to be a scam. '' I provided the same information to Truist when I filed my first claim, but Truist cited insufficient evidence as the reason for their restoring the fraudulent transactions. I filed two more claims with the bank, the last being Case Number XXXX. In a letter regarding the last claim, Truist stated that " The disputed transaction ... will be removed from your credit card balance. '' I have attached two statements : 1. My credit card statement showing that on XXXXXXXX XXXX XXXX {$5000.00} was withdrawn, and on XXXXXXXX XXXX XXXX that transaction and accompanying transaction fee were adjusted and then restored. ( I opened this credit card to make a balance transfer ; but with the cash withdrawal, I have been charged nearly {$200.00} in credit. 
2. My checking statement showing that {$5000.00} was deposited online and that {$4400.00} ( per the scammers instructions on how to return what they said was their money ) was withdrawn, all on XXXXXXXX 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 2024-04-26 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: GA

Complaint narrative:
According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, 121 written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/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 2024-04-26 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: GA

Complaint narrative:
According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX  Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, 121 written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX my Chase Sapphire Preferred Credit card was charged {$2100.00} from XXXX. I did not make or authorize a purchase on XXXX in XXXX. I called Chase Bank on XXXX and they noted I had to wait until the pending charge hit my account to pursue further. I then called XXXX to explain that I did not authorize this purchase. They noted they locked the account and updated the email address on file, however with my active email, I still ( to this day XXXX ) can not access the profile or order details. XXXX noted they were unable to reverse the charge and I would have to manage it with my bank. On XXXX after the charge hit my account I called Chase Bank again and explained that I did not make or authorize this purchase. They noted they would remove the charge and look into it. They removed the charge, but on XXXX ( 5 days before my bill was due ) the charge was re-instated. I called the recovery team ( XXXX ) on XXXX and spoke to XXXX ( he noted he was unable to provide last name or company identification number due to security reasons ). During this discussion, XXXX noted the charge would be removed in 4-buisness days. I have since asked for a copy of the recording from this call per the XXXX XXXX XXXX of XXXX. On XXXX, I called the recovery team again as the charge was still on my account. This time, XXXX answered and noted sometime it can take up to 15-buisness days for the charge to come off my card. On XXXX, XXXX of the Chase Bank investigation team called me and noted they are unable to take the charge off my card as the XXXX account is linked to my old email, which I no longer have access to and have been trying to get in touch with XXXX  to revive- this was stated on each of the previous discussions with Chase as well. I requested she go back and listen to the call from XXXX when XXXX confirmed they would remove the charge. XXXX stated the matter is closed and they would not be removing the charge. I am really disappoint in Chase Bank and their lack of support to remediate fraudulent charges. This is the first time I ever have had to dispute a charge with a credit card company and am shocked at how Chase are managing this. I did not make or authorize this purchase and I should have rights in this situation with Chase. {$2100.00} is a lot of money to me. I pride myself on paying off my credit cards in full every month to ensure I stay out of credit card debt, but this will be a challenge with the large fraudulent charge on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
In the last 30 days I have asked representatives from the CBE Group , Inc., headquartered in XXXX XXXX, XXXX  to stop calling me at my work. They have called me multiple times from a XXXX XXXX, XXXX, area code. I was contacted on my work number on XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. Each time I have instructed the caller to stop calling my work as it is a violation of the fair debt collection practices act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
It has been over half a year since XXXX has closed my bank account but they still have not sent me any resolution on why they closed my checking account and are holding my money. This is my own money that has been held for so long and is putting me in a difficult position as to why my money has been held. Every time I try to contact them, all they would say is that they are investigating and that there has been no update at all and that they would hold my money. How long are they legally allowed to withhold me from my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: LEXISNEXIS
State: AR

Complaint narrative:
According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX  XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX  XXXX  Date of Inquiry XX/XX/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 2024-04-26 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: GA

Complaint narrative:
I am writing to the CFPB to request the XXXX XXXX  XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

TransUnion reporting the account closed XX/XX/XXXX and XXXX reporting the account closed XX/XX/XXXX ; a XXXX difference. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct? 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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.

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information 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 notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2024-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
NOTICE OF DEFAULT ON DEMAND TO CEASE AND DESIST ALL COLLECTION ACTIVITIES OF ALLEGED DEBT, NOTICE AND DEMAND FOR PAYMENT, INTENT TO SUE, AND OPPORTUNITY TO CURE AFFIDAVIT OF TRUTH AND FACTS, SEEKING RELIEF AND MONETARY DAMAGES. This matter arises from Pulte Mortgage, LLC committing security fraud by recording a tampered fraudulent mortgage with XXXX XXXX Florida on XX/XX/XXXX, XXXXThis is an action for damages that exceed {>= $1,000,000} ( XXXX XXXX ). On XX/XX/year>, XXXX XXXX and XXXX XXXX executed and delivered to Pulte Mortgage, LLC a Note and mortgage, Security instruments for a loan. XXXX XXXX and XXXX XXXX hereby certifies that the mortgage, dated XX/XX/year>, executed by XXXX XXXX XXXX and XXXX XXXX, and delivered to Pulte Mortgage, LLC and XXXX XXXX XXXX XXXX  XXXX is tampered and Fraud. ( attached, copies of both mortgage with tampered recording and original mortgage ). Mortgage recorded on XX/XX/year>, in Official Records Book XXXX, Page XXXX, public records of XXXX XXXX XXXX in mortgage XXXX # XXXX. XXXX Mortgage, XXXX and XXXX XXXX XXXX Florida XXXX XXXX, XXXXXXXX XXXX XXXX altered and tampered with XXXX XXXX XXXX and XXXX XXXX signed mortgage security instruments. Pulte Mortgage, LLC and XXXX XXXX modify the physical security instruments documents by removing XXXX XXXX name and related information about XXXX XXXX after it has been signed and concluded by XXXX XXXX XXXX and XXXX XXXXPulte Mortgage, LLC and XXXX XXXX, loan documentation fraud. Altering and tampering with loan documentation is a serious crime. Contracts or Legal documents signed and notarized or recording for official records against real or personal property can not be altered and tampered. When it is reported that a document was forged and that the forgery was committed with the intent to injure or defraud another person, law enforcement officers and prosecutors take an aggressive stance when investigating and prosecuting these crimes. Under Florida Statute 831.01, forgery is classified as a third-degree felony. Pulte Mortgage, LLC and XXXX XXXX, falsifying a notarized document in Florida to commit fraud is a third-degree felony. Chapter 817 FRAUDULENT PRACTICES, SECTION XXXX. Unlawful filing of false documents or records against real or personal property. 
19. ( 1 ) As used in this section, the term : ( a ) File means to present an instrument for recording in an official record or to cause an instrument to be presented for recording in an official record. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are third-party debt collectors Under the Federal Debt Collection Practices Act ( XXXX PA ).

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I paid my XX/XX/year> payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/year>. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this 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 2024-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX has never remedied the discrepancies ( 1 ) in the amount on the closing disclosures and the actual amount issued to me ( 2 ) or the bait and switch and overcharges of the appraisal fees. This was initially disputed to XXXX XXXX, XXXX XXXX and XXXX XXXX in emails dating back to XXXX, XXXX. They chose to ignore it. 

The indenture trustee, guardian and trustee have all ignored my correspondence. The Servicer has refused negotiable instruments/matured bonds and failed to provide the information I requested in order to support their acceptance XXXX. 

U.S. Bank ( " Servicer '' ) failed to put the account in billing error status despite notification of such, XXXX. 

Servicer continues to ring my phone in violation of longstanding instructions to only be contacted in writing XXXX. 

Servicer continues to report negative information to the credit reporting agencies on me regarding the properties, instead of reporting on the new owner.

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 2024-04-26 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: FL

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute a late payment that is inaccurately reported on my credit report. I have carefully reviewed my payment history and have confirmed that this late payment entry is erroneous. 

As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the inaccurate late payment from my credit report promptly. This erroneous information is unjustly damaging my creditworthiness and hindering my ability to access favorable credit terms.

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