vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

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 2024-02-27 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$5200.00}.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 i was a victim of wire fraud i received a fraudulent email from some pretending to be XXXX XXXX XXXX. I was in the process of closing on a property. the sent information that was on my closing documents such as the person who was handling my closing and the amount needed to be sent to close. My bank XXXX XXXX made several attempts to reach out the the receiving bank but to no avail. This is the receiving bank information Fifth Third Bank XXXX XXXX XXXX. 
XXXX XXXX, Florida XXXX Account Name XXXX XXXX XXXX XXXX A/C routing # XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contact the consumers reporting agency notifying them that there was inaccurate information on my report. That a debt collector was reporting XXXX different account statuses to them and other reporting agencies.They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX. This title and to limit the furnishing of consumers reports to the purpose listed under section XXXX of the tile.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I directed my bank in XXXX, XXXX XXXX, to wire transfer the amount of {$29000.00} to my wifes account at Chase bank in XXXX XXXX, and indicated both the account number and customer name on the XXXX account that was to receive the funds. However, I soon learned that the funds had been sent to the wrong account, even though the beneficiary name and account number did not match. In a XXXX message to the Sending Bank, XXXX acknowledged that it had wired the funds to the wrong account, even though there was a mismatch between the beneficiary name and account number. I have complained to both my bank in XXXX and to Chase, demanding that the funds be returned or otherwise credited to me or my wifes account, but to date neither I nor my wife have received any portion of these funds. Attached is the last response I received from XXXX dated XX/XX/2023, which references my complaint XXXX XXXX. XXXX. Also attached is a screenshot of the XXXX message from Chase to the sending bank, acknowledging the mismatch between beneficiary name and account number. I request that Chase immediately refund or otherwise credit to me or my wifes account the amount of {$29000.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
My property insurance was high but I have been getting even higher quotes when shop around since 2022. Finally I found that there was a false claim for my property address on consumer report published by LexisNexis. It appears that a neighbor of mine filed a claim against my property with his insurance XXXX. XXXX denied the came and yet submitted the {$0.00} claim to LexisNexis. Both allstate and lexisnexis knows that this is a wrong claim and yet published against my property. I have been trying to contact LexisNexis. They rejected my online dispute despite providing all necessary information. I tried calling them multiple times, each time the calls drops after XXXX minutes and today I got a hold of them. They said they would initiate a dispute despite acknowledging that it was a false claim. 

As a part of verification, LexisNexis asked every question about me, they know everything about me and they know the person who filed the claim, they also knew that its not me or my wife. And yet, they don't want to act. This is clear fraudulent activity by LexisNexis and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2024 I received an email from XXXX, citing fraud detection on my debit card. XXXX days later, on XX/XX/XXXX, I received XXXX calls from call identified on my phone as WELLS FARGO. I called the WF customer service number back at their posted customer service number, XXXX ( phone record screenshot attached ). I spoke with a 'banker, ' XXXX XXXX XXXX on a long conversation which went over my debit card expenditures ( some valid, some not ). It was a XXXX hour phone call. I was told that my accounts had been compromised, that I should transfer funds from my XXXX private accounts to my business account, XXXX, XXXX. There were lots of back and forths with those transfers from wellsfargo.com. Ending result was a wire transfer in the amount of {$18000.00} to the banker, XXXX XXXX. I was told my funds needed to be put in a holding account to keep my money safe while the fraud was investigated, passwords were changed, etc. and to wait XXXX hours for the transfers to all go through. 

I went to the Wells Fargo branch on XXXX XXXX on the morning of the XXXX to order a new debit card, and to discuss the transactions. There was only XXXX teller and XXXX wealth management person in the bank, and they sent me to the XXXX branch, about XXXX miles from my home, where I sat with a banker who filed a fraud investigation, also on the XXXX. I went back to the bank twice more, seeking information about the investigation. After long phone waits, I was told the investigation was still active. On XX/XX/2024 I received a letter from Wells Fargo ( attached ) that the fraud inquiry was closed, and that the bank would not be able to reimburse me. 

I'm a commercial fisherman, and these funds, all I had, were to be used to prepare supplies, travel, etc for the upcoming season. The news was devastating. I find it especially hard that I called a published Wells Fargo number, and that scammers seemingly can override published numbers and mask caller IDs. It makes XXXX wary of conducting any banking over the phone or online. Stuffing all my cash under my mattress would have been a safer solution. I would expect Wells Fargo to protect its phone numbers and email addresses so customers could have trust that the numbers/addresses actually belonged to the bank. 

I have also reported this fraud to the FTC.

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 2024-02-27 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: KS

Complaint narrative:
I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Equifax 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
This was a total loss case on a XXXX 2020 XXXX. I called the XXXX  agent and they stated that the claim had already been received by bank. The loss claims send a letter that was never received by me. But never try to contact since I didn't respond. The letter was not certified which would have to be signed for which is unusual. The XXXX was released to state through a power of attorney for vehicles. They paid {$32000.00} and they received the maintenance plan refund {$170.00} and the extended warranty refund {$3300.00}. They put a late payment on my credit report for payment but I never received the correspondence from the bank. If I have to take them to court I will. They never gave me to address the issue. I also contacted XXXX  to send the documents they needed. If I need there was a issue l would have addressed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TriPoint Lending, LLC
State: FL

Complaint narrative:
I enrolled my debt with XXXX XXXX XXXX. They enrolled my mower with XXXX financial into my debt program. It was a secure loan. They didn't double check before adding this to my profile. I didn't know what secure meant. I could not log into my profile for the first month. My cell phone number was not even added correctly in my profile so there was no communication on either end. I did a they told me to and unenrolled my auto pay accounts. Stop paying creditors and cobble l block phone numbers. XXXX came and repossessed my mower after missing my second payment. I tried to explain my debt consolidation to them. They said because I did not communicate with them they would not work with me to get my mower back and catch up on payment. XXXX XXXX company initially told me I would be better off discharging my debt from the debt program ... and taking a loss! Then they wanted me to send a large payment to them to be able to negotiate my mower with XXXX  without even knowing if I would get it back from the auction it was going to in another state! So I was left with a repossessed mower that i use for my buisness and a debt company who did not double check my profile before signing me up. So I trashed my credit in belief I would come out on better standing. I lost my main piece of equipment for my buisness. And I was left with no help or justice. Just negative remarks. How can I still save my credit after all this and take repossession off my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I requested a validation letter on XX/XX/XXXX from CB1 Collections for a medical debt owing around {$2000.00}. I never received the letter of validation for my debt, therefor not receiving a written validation and proof that this is my debt. I got a call today XX/XX/XXXX saying that I have medical debt to pay. I have requested another validation letter, but they did say that my account did accrue interest of an addition {$100.00} between now and then, despite not being able to provide written/documentation between that time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 my employee had an ACH deposited into my business account in the amount of {$100000.00} due to he didn't have a bank account only prepaid and he wasn't sure he could receive that large of an amount. On XX/XX/2023 Chase Bank decided to lock my account and close it with a balance of {$16000.00} in the checking and {$20000.00} in the savings. I contacted them and they advised me that I needed to bring the employee to the branch to verify that he indeed used my account to receive his deposit. When we went to the bank he verified himself with his identification card as well as they had to call his cell phone in his name to do a secondary verification to send a code. They advised us that it would take seven days for the compliance team to look over everything and issue the remaining funds to the address on the account in a cashier 's check. I have contacted them weekly concerning the remaining funds and they always advise me that the compliance team is still investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I applied for a line of credit through NetCredit after speaking to 3 customer service representatives on the phone that all confirmed the only requirement to apply is a bank account that has been open/has activity for at least 30 days with the ability to log into online banking for verification. I waited until I had my new account open for more than a month and decided to apply off of this information I received. Upon submitting my application and getting a hard pull on my credit, I was able to login to my bank account successfully, but NetCredit still requested 2 months of bank statements, which I do not have. They also asked me to verify my identity, which I completed by calling the number listed in the email. However, I have still not been able to get an approval or update and they are requesting XXXX bank statements. At this point, I have verified my identity, logged into my bank account to prove ownership, attached the only statement I have for the account, and attached additional documents including a bank verification letter confirming my account is in good standing with current balance There should be nothing additional NetCredit needs to verify who I am or the ownership of my bank. I need my application to be processed with the information I have provided, as this is more than enough and this feels like a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX acct # XXXX is falsely reporting a negative account listing on my Experian Experian credit report that is beyond the seven-year reporting period. This company falsely re-aged the account in order to continue reporting it when it should have been removed from my report at the end of last year. XXXX XXXX has removed their false information from my XXXX and XXXX reports last year. When I dispute with Experian it always comes back verified or the date expected to fall off my report keeps changing. Last year it said XX/XX/XXXX, this year it says XX/XX/XXXX. Either XXXX XXXX is responsible for the false reporting or Experian is. Either way, the negative reporting on the account is beyond seven years from the date of last activity ( XXXX, not XXXX as they falsely reported ), is obsolete and needs to be deleted from my Experian report immediately.

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 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my email on XX/XX/2024 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report " XXXX '' " Transunion '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed due to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the Tracking Number to Transunion XXXX XXXX XXXX XXXX XXXX and Tracking Number XXXX XXXX XXXX XXXX XXXX to XXXX and XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
On the date XX/XX/XXXX a judgement was made on me from Hayt, Hayt and Landau. I was never contacted about them trying to sue me. The debt they are trying to collect is over 6 years old. They must of lied in court because a judgement was made against me even though this debt is old.

Company response to consumer: Closed with explanation