vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Hello. I am a victim of XXXX fraud. I have a debit card through Citizens bank which is tied to my checking account. I noticed that my account went into overdraft protection and I received an alert about that. This is what led to me noticing the fraud. I never lost physical posession of my debit card but somehow someone got the information and was using it to withdraw money through XXXX. I have never used XXXX I do not have an account on that website and I have no affiliation with them. 

I called Citizens bank to report fraud that I discoved on XXXX ( ref number XXXX ). There were 26 seperate charges for XXXX each totaling XXXX from XXXX that I did not make. This occurred from XX/XX/XXXX to XX/XX/XXXX and each transaction was exactly XXXX. 

I still can not understand why this was allowed to happen. This is clearly fraudulent activity and should not have been allowed to occur. Citizens did nothing to protect me from this whatsoever, it occured over a month. They took XXXX at a time every day or so, maybe skipped a couple and then took another XXXX, 26 times making it difficult for me to notice unless I logged on to look at my account. Citizens NEVER flagged someone taking out XXXX a day, 26 times.. This is unacceptable. 

Citizens closed the debit card and sent me a new one through the mail. They told me that the stolen money would be returned to me 3-5 business days. This did not happen. Nobody has contacted me about this fraud after my initial report. Nobody has mailed or emailed me anything in writing. Nobody has called me about this. I understand there was a recent lawsuit files against Citizens for this exact same reason. It seems they have not learned their lesson and have no refunded me. I have NEVER reported fraud in my life this is the first time and I deserve to have the protection advertised to me. Citizens is not follwing their unauthorized transaction policy nor their debit card zero liabilty policy.

In addition, I have already received one overdraft notice ( which results in a {$35.00} fee ). I am now about to get another overdraft notice because it is now XX/XX/23 and my money has still not been returned. 

I tried calling Citizens bank again on XXXX and asked to speak with a manager. I have now been on hold for 57 minutes and a manager is not answering my call. XXXX is the fraud number and the number I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is for an account i have with Barclays for Jet Blue ( I also have Barclays for XXXX XXXX ; XXXX XXXX and the only issue herein is with Jet Blue account ) XX/XX/XXXX Spoke with XXXX about a notice my card was on hold. SHe said she looked at it and it was a " mistake, error '' i i should receive card in XXXX weeks. Would not tell me a reason. 
XX/XX/XXXX : Spoke with XXXX ( XXXX? ) explained above and asked where is the card. She said one would be sent by XXXX. BTW my present card at that time expires XX/XX/XXXX. This is relevant next XX/XX/XXXX : Got a replacement card ( which I didn't need as I expected a new card with new exp date ) and this card expired the moment fedex delivered it. I called and spoke to XXXX then XXXX in Security. She told me i would get a new card in XXXX days by US mail XXXX 

XX/XX/XXXX No new card so i called and spoke to Cionne ( XXXX? ) Relationship mgr and said a new card was ordered XX/XX/XXXX THEN she said she looked further and said card is on " HOLD '' and I would receive a letter " any day '' explaining why. 

XX/XX/XXXX No letter arrived and I went on line and it said my account was closed I called. Spoke to XXXX Relationship mgr. and she couldn't find anything she could tell me. SHe said a XXXX # was assigned ( XXXX ). Once again a letter was supposed to be coming in 7-10 business days.

At this point my account is canceld with no explanation. Let me add these very relevant facts : My scores are high ; never had a late payment perhaps ever ; not utilizing but a small fraction of what the high credit was ; no changes in income or debts ; no court filings, etc. My husband was in XXXX  for 39 years and between the two of us, this is totally inexplicable. 

I feel I am being damaged by possibly having a lowered store if the creditor closed the account AND I am now limited to adding to my Jet Blue points for travel. I don't know of any reason my card was not renewed and believe it is not deserved Thank you for any assistance you can provide.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE BEEN IN CONTACT WITH EQUIFAX OVER XXXX IN THE LAST MONTH FOR AN ERROR THAT THEY MADE ON MY REPORT. I CONTACTED THEM YESTERDAY TO HAVE THEM UPDATE THE ADDRESS AND THEY DID. BUT, AFTER CHECKING ON IT THE FOLLOWING MORNING, IT HAS BEEN CHANGED BACK TO THE INCORRECT ADDRESS ONCE AGAIN. I HAVE SUPPLIED THEM WITH MY VERIFICATION DOCUMENTS THAT CLEARLY STATE MY CURRENT ADDRESS AND THE CORRECT SPELLING OF MY NAME. YET, THET ARE BLATANTLY FURNISHING INCORRECT INFORMATION ON MY CONSUMER FILE. MY CORRECT ADDRESS IS LISTED ON MY DRIVER 'S LICENSE THAT THEY HAVE COPIES OF AND STILL CAN'T GET IT RIGHT. THIS IS AFFECTING MY ABILITY TO COMPARE MY CREDIT REPORTS BECAUSE OF THE CONFLICTING INFORMATION THE FRAUDULENTLY FURNISH FOR ME. I AM NOT ABLE TO BE APPROVED FOR FINANCING, I'M UNABLE TO GET CREDIT CARDS, I AM UNABLE TO CORRECT INACCURATE INFORMATION ON MY CONSUMER REPORTS BECAUSE OF THE CONFLICTING INFORMATION. I AM ASKING THAT THE CFBP HOLD THE RESPONSIBLE BY COMPENSATING ME FOR THIS UNWARRANTED STRESS NOT ONLY ON ME BUT ALSO MY FAMILY BECAUSE THEY DEPEND ON ME TO BE A PROVIDER. HOWEVER, I CAN NOT PROVIDE IF MY CREDIT IS BLEMISHED. MY CURRENT IDENTIFICATION IS ATTACHED SO THAT THESE ERRORNEOUS ADDRESS THAT THEY PUBLISHED CAN BE PERMANENTLY DELETED. I HAVE DISPUTED THE FRAUDULENT INFORMATION SEVERAL TIMES, YET THEY ARE IGNORING MY REQUEST. ALL I WANT IS FOR THEM TO PROVIDE ACCURATE INFORMATION AS THEY HAVE PROMISED TO DO SO. I HAVE NO OTHER CHOICE BUT TO REQUEST DAMAGES FOR THEIR BLATANT DISREGARD AND DISRESPECT THAT I RECEIVE EVERY TIME I CONTACT THEIR XXXX CALL CENTER REPRESENTATIVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I got two bank statements, one for a checking and one for savings account, from BMO Harris Bank. I contacted them on XX/XX/XXXX at XXXX XXXX, and I spoke with a person and informed them that the accounts had been opened in my name fraudulently and requested that they close the accounts. The bank representative took my information and said that they would send the compliant to the bank 's fraud department and that they accounts would be closed. I asked if I would receive something in writing, ensuring the closure and she said the bank doesn't do that, so I was forced to take her word for it. 
On XX/XX/XXXX, I received another bank statement form BMO Harris Bank for the fraudulent savings account opened in my name. The period on the statement was for XX/XX/XXXX to XX/XX/2023. Therefore, I called BMO Harris Bank on XX/XX/XXXX at XXXX XXXX, and spoke with a person named XXXX ; she refused to provide her last name. She claimed that the accounts were closed but failed to provide me with any other information such as the date they were closed. She also refused to provide any proof of the closure in writing, so they could be mailed to my address and I'd have proof of the closures. 
I am in the process of contacting an attorney to see if I can force BMO Harris Bank to provide written proof : XXXX acknowledging the accounts were opened fraudulently in my name XXXX proof the savings and checking accounts were close and when.

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 2023-07-03 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: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2022 there was an unauthorized hard inquiry placed on my credit profile by OneMain. I've been sent numerous solicitations from the company regarding loan opportunities and it having no impact to your credit score. I never authorized a hard inquiry into my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Here are four inquiries that I've submitted to be removed from my credit report. I've contacted the creditors directly and they've validated these as fraudulent inquiries. After submitting an FTC report, my driver 's license, and a copy of my social security card, as requested by Equifax, they ( Equifax ) still fail to remove these inquiries from my credit report. The documentation I submitted was mailed out on XX/XX/XXXX and it was verified that Equifax received the mail on XX/XX/XXXX. When contacting Equifax from XX/XX/XXXX until today XX/XX/XXXX, they're telling me they still have not yet received my mail that included the FTC report, copy of my driver 's license, and copy of my social security card. 

I also attached the proof of mail that included the FTC report, my identity verification, and a screenshot of the date that the mail was delivered to Equifax. I also attached a photo of a letter that XXXX sent me to have the inquiry XXXX XXXX- removed, which Equifax again fails to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NV

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
As of XX/XX/2023 I had not heard from SLS about the account. I spent a greater part of Saturday, XX/XX/2023 going over the statements. I am going to attach a thorough breakdown of what it shows... I also hope that this will be the last complaint I have to file so that my account will be accurate.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX XXXX about an error on my consumer report and it has yet to be corrected. Your last response to my complaint was my address, social security number, and bankruptcy account number were accurate. This leads me to believe that you NEVER read my complaint. I NEVER said these things were inaccurate but I pointed out some other things that were inaccurate and I even provided proof. However, you did not investigate the complaint properly or you just didn't do it at all. I have no clue what you guys are doing in your office or if you are actually doing your job. Once again I am challenging INACCURATE information that you have reported on my consumer report and I am providing you evidence that the information is INACCURATE. 

Here is the original complaint : I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from Pacer. I pulled up the documents from Pacer to make sure all information you were reporting was correct. It appears you did not get your information from Pacer. I have also included information from Pacer that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : The county you have listed is XXXX but it was not filed in XXXX XXXX. The county on the Pacer report is XXXX. The court name you have listed is Texas XXXX but that is not the name of the court the bankruptcy was filed in. The court name on Pacer is UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF TEXAS. According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my XXXX XXXX consumer file. I have reported this several times but nothing has changed. I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from PACER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX about an error on my consumer report and it has yet to be corrected. Your last response to my complaint was my address, social security number, and bankruptcy account number were accurate. This leads me to believe that you NEVER read my complaint. I NEVER said these things were inaccurate but I pointed out some other things that were inaccurate and I even provided proof. However, you did not investigate the complaint properly or you just didn't do it at all. I have no clue what you guys are doing in your office or if you are actually doing your job. Once again I am challenging INACCURATE information that you have reported on my consumer report and I am providing you evidence that the information is INACCURATE. 

Here is the original complaint : I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from Pacer. I pulled up the documents from Pacer to make sure all information you were reporting was correct. It appears you did not get your information from Pacer. I have also included information from Pacer that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : The county you have listed is XXXX but it was not filed in XXXX XXXX. The county on the Pacer report is XXXX. The court name you have listed is Texas XXXX but that is not the name of the court the bankruptcy was filed in. The court name on Pacer is UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF TEXAS. According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my XXXX XXXX consumer file. I have reported this several times but nothing has changed. I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from PACER.

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 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX, Transunion, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.

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 2023-07-03 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: AZ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am being XXXX XXXX for the US Military. Per the SCRA and California XXXX, American Express was to respond and lower my APR to less than 6 % within 30 days. I opened a case with them ( XXXX ) on XX/XX/XXXX. To date, XX/XX/2023, they still have not responded. I have called, emailed, and uploaded all the required documents. This is very frustrating and stressful, frustrating, and illegal. 

Please help.

Company response to consumer: Closed with monetary relief