vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
As I looked at my consumer report I noticed a late payment for XXXX bank in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercury Technologies, Inc.
State: KY

Complaint narrative:
I have a Mercury account ( XXXX XXXX XXXXXXXX ) My company name : XXXX XXXX  XXXX XXXX XXXX XXXX account on XX/XX/2024 and withheld the balance on my account. 

The total amount involved was XXXX {$25000.00}. 

It has been XXXX days now and I have tried to communicate with them via phone and email but they have not responded and I suspect they are holding my funds with malicious intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-11 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A phone call from Chase fraud called me saying my funds were being wired did I try to send money to someone. I said no. He asked for my last XXXX purchases on my XXXX checking and we need to do a reversal wire before I lose all my money. I HAVE NEVER DONE A WIRE TRANSFER IN MY LIFE. Chase set it up for me to initiate. He said this would be much quicker than going to a branch or Id lose all my money. The chase XXXX department guy was XXXX XXXX. He had me do XXXX dollars to discover bank where the money was already pending wire a XXXX XXXX a fraud chase XXXX of {$50000.00} with this address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX claiming it was XXXX doing all this for me to recover my money. 
He then had me do XXXX to XXXX. He said the funds would be held by Chase my accounts would shut down Id get new ones opened and the money would go right back. He kept insisting it was chase for XXXX hours XXXX minutes. I felt uneasy kept him on the line drove to chase and the line disconnected. Chase dragged me round and round XXXX hours with so many people NO clear answer to me. I filed with FBI and police department. XXXX devastated. I have a newborn and XXXX XXXX XXXX. No fraud alerts went off. Chase never called me nor my husband to say wait why are you emptying your account. I acted immediately. No one protected my money or me. XXXX devastated with chase for not picking this up especially when the account has been in existence for XXXX years never ever was there a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: CO

Complaint narrative:
XXXX closed my account on XX/XX/2024 and withheld the balance on my account.It has been XXXX days now and I have tried to communicate with them via phone and email but they have not responded and I suspect they are holding my funds with malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made a pay off payment of my Citi XXXX XXXX XXXX flex loan of {$1800.00} on XX/XX/2024. That was the amount shown when making the payment online. I received new statement on XX/XX/XXXX showing a remaining principle balance of {$15.00} with interest of {$6.00} totaling {$21.00}. The interest rate was XXXX XXXX I called & requested to file a dispute for the added balance after making payment and higher interest amount than it should be. Citi denied my request on 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 2024-05-11 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
In account 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX. SYSTEM, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XXXX l went to pay my balance of {$78.00} on their mobile app as l always do. Their system said something went wrong please try again so I did. They ended up getting XXXX payments which posted a couple of days later. I asked for a refund for the overpayment. They issued me a refund with a check. That should have solved the problem! But after that they AGAIN charged me {$78.00} when I had ALREADY paid them on XXXX. They took back the refund they gave me and I was forced to pay it because they didn't fix my account even AFTER I reached out to them MANY times. They put the due date of XX/XX/XXXX on the new bill. I DON'T owe them this. I paid them a total of {$150.00} on XXXX and I asked for the second payment to be refunded. The difference that they kept was my payment of {$78.00} which I paid on XXXX. Also they deleted on their history XXXX of the payments that posted. I have picture of the bank statements that show the XXXX posted payments and of the posted payments that posted on my Avant account on their website! So they made it look like l only paid ONCE and by putting they refunded me it makes it seem like they refunded me the payment I ALREADY made. That's why they are charging me AGAIN. They did this in purpose. I don't owe them anything yet they keep saying l do. I was forced to pay it again today because I am not going to allow them to ruin my credit. This is how they take advantage of their clients!! If I paid them XXXX and they refunded me XXXX then I should not have had to get charged AGAIN. They took back the refund they sent me for the overpayment or second payment of {$78.00}. In the end NOTHING was fixed and they are getting away with this. Again, l had a balance of {$78.00} and I paid it on XXXX. Their system said something went wrong please try again so I did. Due to this l ended up paying them XXXX. They got a total of {$150.00} from me. I asked for a refund for the XXXX payment. I got a check in XXXX for {$78.00}. {$150.00} minus $ XXXX {$78.00}. This difference is the payment I made on XXXX. THAT should have resolved my account!! But because I complained they AGAIN charged me {$78.00} and said it's due on XXXX even after I asked them to fix it! How is this fair?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MO

Complaint narrative:
Me and my wife started the Debt Settlement program with the Law Firm of XXXX XXXX and our funds were being deposited into an account through Global Holdings in XXXX of XXXX. Since that time they only managed to settle one debt and have been paying them {$15.00} a month since XXXX of XXXX. No other debts have been settled. On XX/XX/XXXX of XXXX I received a notice that they had settled another debt with XXXX XXXX  and that they needed my signature to proceed with that process. I reached out to discuss that with them and was un  able to get ahold of anyone and so I signed on the XXXX of XXXX authorizing the settlement. I was never contacted on the matter again and am currently being sued by XXXX XXXX. The other 3 debts I have are also still unsettled and I have been Informed that XXXX XXXX can not settle anymore debts because they themselves are part of a big lawsuit. 

Despite this they are still taking {$290.00} a month from me and depositing into the Global  holdings account. I checked my statements from Global Holdings and was shocked to see the exorbitant fees they have been charging me each month. I checked my initial contract and these amounts were never disclosed to me. For example in XX/XX/XXXX our first draft was {$270.00}. Looking at my statement for that month they charged me for : {$10.00} monthly service charge {$100.00} retainer fee {$49.00} Admin fee {$97.00} Service fee Out of {$270.00} a month only {$12.00} remained to pay my creditors from that {$270.00} charge. That happened every month.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My Transunion credit report has a freeze on it, that I initiated years ago to prevent fraud. HOWEVER, I have been trying for more than XXXX XXXX XXXXo lift the freeze and their system gives them an error when they try, AND it gives me an error on the website when I try. I have called in, spoken to supervisors, been told it will be fixed and here I am oveXXXX XXXX XXXX XXXX  and it has not been fixed. Consequently, I have not been able to apply for any credit. This situation is ridiculous, and they are no help getting it resolved. I keep getting the run around from TransUnion! PLEASE 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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I didn't see a specific category for Fraud claims so I picked Closing Account as I can't close the account until the fraud claim is resolved. Opened XXXX claim XXXX for multiple incidents from XXXX in XX/XX/year>. After some back and forth some of the funds were credited back. However, Citizens Bank denied some claims without explanation and the claims were identical to the ones they previously found valid and credited back to the account. When calling Citizens, the first line of customer service representatives are always different and I have to explain everything from the beginning each time. Many times the line would get cut off and I would have to dial back in and get back in the wait queue. Requested to speak with a XXXX and transfers were often dropped, resulting in having to restart. The average time spent to talk to Citizens is XXXX to XXXX hours after having to call back multiple times after being dropped. They never call back. I can never speak with someone who is directly working the claims. The fact that they seemed to have arbitrarily denied claims that were similar to ones previously approved is not acceptable. I've done my own research and it is obvious that this claim is valid and the companies involved are fraudulent. I read where Citizens was fined by the CFPB for not dealing properly with fraud claims. My experience with them has been nothing short of unprofessional and frustrating.

Company response to consumer: Closed with explanation