vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is Showing inaccurate information on TransUnion, XXXX, The activity date is wrong also the opened date they do not match. one is showing open and one is showing closed. I have tried reaching out to them but to no avail.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
in XXXX of 2022 i got insurance with progressive and was quoted for my policy at XXXXXXXX XXXX XXXX dollars. i payed the initial payment of XXXX on XX/XX/XXXX. when may came along and i was to start my new policy in another state, i was told they never received my documents and would be charged XXXX  monthly for my policy. i called progressive many times and tired emailing them the documents they requested. each time i called i was told they didn't receive the documents and would take up to XXXX hours to show in their system. i tired to reach out to the insurance broker that sold me the insurance but wasn't ever able to get a hold of her. i was told because my miles went up due moving and because i didn't submit my documents in time they would continue to charge me XXXX each month. i cancelled my service and then i have a collection of XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX at about XXXX pm, I received an email from Wells Fargo that a wire transfer in the amount of {$22.00}, XXXX had been initiated on one of my Business Accounts. I immediately called Wells Fargo. I was on hold for XXXX minutes awaiting service due to " unusually high call volumes ''. Once connected I asked for a fraud representative. I told the man, " XXXX '' that I had not approved this wire transfer. He attempted to stop it as it was " in progress ''. He thought he had stopped it but handed me off to a more senior level fraud person, " XXXX '' who told me it was not in progress but had been completed. The fraud transaction was likely happening while I was on hold. I have never run a wire transfer out of this account, I only use it to hold funds, then transfer them to another account for wiring. I immediately filed a claim and they told me I would have to wait ten days for a decision. I received the decision today, XX/XX/XXXX, denying my claim and advising me that either I did the wire, or someone using my password and username did the transfer. Of course someone had my password and username, but their algorithms should have caught the transaction as it did not fit with my profile and was obvious fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, Chase sent me a phone text message regarding a an attempted credit card transaction that they've declined at a jewelry store. The text message asked me if this was an authorized purchase attempt by me and I replied back " No '' and Chase sent me another message stating that the credit card account will be closed and a new card will be sent to me. Few days later while checking my credit balance I noticed an unauthorized purchase in the amount of {$7300.00} show up on my credit card account with a purchase date of XX/XX/XXXX, the same date when I received the message from Chase regarding the fraudulent transaction attempt that got declined. I contacted Chase regarding the newly discovered fraudulent transaction and told them that I did not make the purchase and the purchase was not authorized by me. They asked me if my card was lost of stolen and because the creditcard in question was still in my possession I said I still had the particular card in my possession, not knowing what stress this answer was about to put me through. So initially, Chase deleted the {$7300.00} from my account, but couple of weeks later, the same transaction was put back on to my account. I called Chase again to dispute the transaction but their reply was because the transaction in question was made using a physical creditcard and since I still had the creditcard in my possession, they dont believe the transaction to be fraudulent and that I am liable for the whole amount! I spoke to the Chase Fraud prevention department several times afterwards trying to tell them I lhave never visited the store where the purchase occurred and have never authorized anyone to make a purchase using my card, but in the end Chase always gave me the same reply saying because the transaction occurred using a physical card and because I still have possession of my creditcard, I have to prove myself innocent. I have personally visited the store where the purchase was made and talked to the owners to get some help from them and the owners do remember the couple who made that purchase ( not me ofcourse ), but because they are afraid that they may have to pay the money back, are not willing to show me any receipt information or provide me with a written affidavit to help me out. So as of now, I am stuck with the bill from Chase. It is my understanding that an unauthorized purchase is a purchase made by someone without the permission of the owner of that account, whether the the card was lost or not. I don't know if someone took the card from me, used it and put it back or whether the card was cloned somehow, but either way I shouldn't have to liable for a purchase I did not make in person nor authorized anyone to make a purchase. Any help will be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TX

Complaint narrative:
On XXXX XXXX I was victim of identity theft. A credit card was opened ( and used ) without my permission/consent and charged {$13000.00}. I have since sent both XXXX XXXX and Experian police reports stating I was a victim as well as FTC report ( XXXX ). It's since been removed from XXXX and XXXX but not Experian. They are in violation of not properly investigating the issue and reporting inaccurate/obsolete information on my credit report. Please remove the false account asap. 

XXXX # XXXX $ XXXX XX/XX/2021

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 2022-12-28 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: FL

Complaint narrative:
according to the Fair Credit Reporting ACT, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This letter is in response to your recent investigation concerning account : Portfolio XXXX. You are reporting date last active XX/XX/XXXX. XXXX is reporting different account number # XXXX and last active date XX/XX/XXXX. I would like to validate inaccuracy. If no validation Immediately remove account from my credit. 
Yet again, you failed to provide with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As you should be aware that a printout of a bill or itemized document does not constitute verification. 
Your are reporting : inaccurate date of last activity inaccurate date of last updated late pay after account was closed a charge off listed as open duplicate accounts with different account types I am formally requesting to immediately DELETE this account for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TX

Complaint narrative:
I have reached out to Equifax, XXXX and XXXX. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. Equifax : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: IN

Complaint narrative:
There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: IN

Complaint narrative:
There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a joint Citibank checking account with my wife, who recently passed away. I wanted to add my 2 adult children to the account so that they could have access to money if something happened to me. Adding my daughter was OK, but they would not add my son, who lives with me, on the account although he had his passport, social security card and a credit card offer from a different bank mailed to him at our address. He also had his Citi credit card issued with his name on it for which he is an authorized user ( I am the primary on that account ). He has a NY Lerners permit, but due to his mother 's XXXX and ultimate demise, he did not take the drivers test and it expired a couple of months ago. 
I have been banking with them for 35 years, have a considerable amount in my accounts and was only trying to take care of my kids. Since he lives with me ( and I pay the bills ), there are no statements mailed to him at our address. 
Is it true that Citibank can not add an adult child as an authorized signer on an existing checking/savings account without " proof '' of address, even if it is the address of the primary account holder?

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 2022-12-28 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: OH

Complaint narrative:
Have reached out to Equifax to clear fraudulent hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX on XXXX XX/XX/2022. Attempted to resolve XXXX separate times without resolution. A separate fraudulent event was resolved with my credit and a fraudulent account with a bank that was resolved, but the hard inquiry has not been resolved. 

Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022 Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022 Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO

Complaint narrative:
The company is the NCTUE, a credit reporting agency for utilities and phone companies. 
XXXX XXXX XXXX : NCTUE sends me a postcard alerting me that there is derogatory/delinquent information on my record. 
XXXX XXXX : I send a reply letter to NCTUE asking for my full report, in accordance with my state 's laws requiring full reports be furnished ( Colorado ). 
XXXX XXXX : NCTUE sends its full report to me. My main complaint is that the report claims that I have a delinquent {$150.00} from XXXX on account number starting with XXXX ..... This is just not true. I contacted XXXX and documented evidence that there is no such delinquency for the address that I was located at during the year reported - XXXX. They claim I owe something that the company itself, XXXX, does not claim that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc.
State: TX

Complaint narrative:
This debt was previously sold to two different debt collection agencies- XXXXXXXX XXXX XXXX and Recovery Management Services . Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXXXXXX XXXX XXXXXXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. This debt was then collected by another agency ( RMS ) who has persistently harassed me and I have filed a complaint in XXXX of 2022 for that. This debit was deleted from my credit as promised however they have continued to harass and threaten me. I have documented calls on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then on XX/XX/XXXX, they reinstated the debt illegally on my credit report and have illegally given my personal data ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. As a result of this constant harassment, threatening, and illegal activities, I am letting this complaint serve as a final notice for this to be deleted off my credit with written confirmation. If this is not the result, I will have my attorney be in contact with this agency. Thank you.

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
My XXXX mortgage payment of {$3900.00} was received and cashed by the mortgage servicer on XX/XX/2022 ( check image attached to complaint ). As of XX/XX/2022, no payment had been applied to my account and I hadnt been notified by phone or email that my payment was late. The mortgage servicer said my case was under investigation but refused to guarantee that they would not report a late payment to credit bureaus while under investigation.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T bank is not reading the receipts I already did a complaint with them theyre saying it was another bank when we only dealt with them, XXXX XXXX needs to read the amounts involved and would obviously see there is a discrepancy there, our home equity loan was roughly XXXX XXXX  and we paid off XXXX all I want is breakdown on the dispersal of the XXXX that was paid to them, Ill attach a monthly receipt to verify this

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness. 

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy. 

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.

Company response to consumer: Closed with explanation