vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ;

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 2022-06-02 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: MI

Complaint narrative:
I received an email on my parent 's email that Wells Fargo has opened an checking account in my name. I have not opened any account in my name with their company. I called and they froze the account in question and opened some sort of case. I was transferred to the fraud department and when questioning them as to how the account could have been opened without verifying my identity, they cold transferred me back to the customer service line and are not explaining how they could issue an account without verification. Upon calling back to the company, the representative from the fraud department said that they wouldn't be able to give me any information on the account until the fraud department closes the case in which they may contact me if needed. This seems like a violation of some anti-money laundering laws and consumer protection acts regarding financial institutions. It's also extremely shady to not be able to give information out to me regarding an account they saw fit to issue in my name. They had enough to approve the account but can not give the information to the verified individual on the phone. I have no recourse as to next steps and they didn't tell me how they would fix the problem. I would like a resolution to their error and an understanding of how they can issue accounts without verification.

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 a non-negotiable draft # XXXX drawn out of XXXX XXXX XXXX. was deposited in the amount of {$21000.00} to JP Morgan Chase Bank, XXXX checking account belonging to XXXX XXXX XXXX XXXX XXXX XXXX. The check deposit was made at a physical branch located in XXXX XXXX, FL. The check deposited cleared on XX/XX/2022, evidence can be found by looking at the online banking activity. 

After reviewing the available balance through Chase online banking on XX/XX/2022, an authorized signer initiated an online domestic wire transfer around XXXX in the amount of {$210000.00}. At the time of making the wire transfer the available funds were greater than $ XXXX. 

Later in the evening, ( around XXXX, XX/XX/2022 ) a text message notice sent by Chase XXXX there was a negative balance on the Chase checking account. The bank ( Chase Bank ) decided to put an " unreasonable special hold '' in the amount of {$20000.00} for a period of XXXX business days, same as XX/XX/2022. 

The Chase checking account ( " XXXX Account '' ) has been in " good standing '' since it was opened more than XXXX years ago. The account has never over drafted, there has never been any fraudulent checks issued, no fraud has ever been associated with the account whatsoever. 

The negotiable draft # XXXX is a non-local instrument which at XXXX would incur a XXXX business day hold. Let 's establish XXXX fact, the funds for check # XXXX in the amount of $ XXXX have cleared since the payee provided me with a detailed bank statement on XX/XX/2022 when a Chase customer service rep made me aware the funds were not available after talking to XXXX Bank. 

After speaking with a Chase customer service supervisor, " XXXX XXXX ''. XXXX XXXX explained the hold on my the account is due to the funds from the check deposit amount ( large sum ) funds which have not been collected. I tried reasoning with 2 customer service reps and XXXX XXXX but they failed to establish a reason to issue an unreasonable special hold wait period of 9 days. The Chase employees said the issuing bank XXXX XXXX XXXX  ) could not verify if the check had cleared on their end. 

This entire scenario has been blown out of proportion. It is the beginning of the month and the account can have automatic payment deductions for my debt obligations. Chase bank is placing my credit score at risk of endangerment if I can not meet these debt obligations. Furthermore, under XXXX " XXXX '', the bank has failed to provide me with a notice for an extended special hold and their reasoning for placing a 7 business day hold on funds which have already been cleared by the issuing bank. This alone is non compliance of XXXX " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I Disputed date of first delinquency changed on report to XX/XX/XXXX from XX/XX/XXXX. 
still reporting wrong DOFD date extending date of removal until XXXX from 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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Last year, on XX/XX/2021 I received an early morning notification from XXXX Bank that a transaction occurred of over XXXX to XXXX. They asked me if I had done the transaction and I replied back " No ''. The card was frozen and I was issued a different card. The representative on the phone explained I would have to call the bank on Monday morning which I did to discover over XXXX unauthorized transactions occurred from the information on my bank account information. I called the police and they issued me a case number XXXX XX/XX/2021 number is XXXX. A XXXX report was issued XXXX XX/XX/2021 at XXXX PM XXXX because of the high number of transactions. This is the case number they issued to me. 
XXXX. The person involved in the theft is XXXX XXXX who did over XXXX transactions and spent almost XXXX at the XXXX XXXX XXXX and the purchase of some XXXX programs. Even though I told XXXX I did not authorize these transactions they paid them anyway out of my bank account. Despite all of this information given to the XXXX Bank , they sent me a letter proclaiming they found no fraud. I did notify them within the 60 days yet they refused to credit my bank account with the fraudulent transactions. Now, I got a notification from them yesterday somebody used my credit card information to send XXXX money through XXXX. I told them " no '' I didn't authorize this information so here I am again with the Huntington Bank allowing fraudulent transactions to happen when I told them " NO '' I didn't authorize the payments. I'm so frustrated and disgusted with this Banking XXXX that blames the customer rather than the criminal. and wondering if Huntington National Bank is going to pay for this theft again out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingPoint Holdings LLC
State: AZ

Complaint narrative:
During rst week of XXXX 2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include the Lending Point LLC ( {$21000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi constantly reaches out to me to open another card. 
I have a few cards, have paid off most of them and the letter I received is my application was denied due to credit, number of delinquent accounts and high balances. 
Well, they approved another card a few months ago and have been sending information to open another account at zero percent. 
I think Citi doesnt want to lose more money .... Citi claims they used XXXX. 
I have included XXXX on this complaint, it shows no lates and no high balances in comparison to open account and a perfect payment record. 
So lying is okay to bait me into applying???? This is FRAUD. 
My credit score is over 700. 
I think this kind of misleading advertising should be illegal. 
And to say I have delinquent accounts is a LIE. 
What is being done about this kind of misleading, baiting and inaccurate information.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: OH

Complaint narrative:
ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.

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 2022-06-02 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: EMCC Holdings, LLC
State: TX

Complaint narrative:
I do not feel that Equiant is accurately reporting information on my behalf to the credit bureaus. Equiant and the original creditor XXXX XXXX are in violation of the FCRA by failing to adequately explain and or verify the debt that they are reporting. I will be seeking statutory damages under the FCRA in the amount of up to {$1000.00} for each violation. I have signed no type of mortage agreement binding me to this company so please remove this immediately from my credit report.

Company response to consumer: Closed with explanation