vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: AZ

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is an issue with missing funds while transferring funds from American Express High Yield Savings account to American Express rewards checking account. XXXX XXXX XXXX XXXX XXXX I transferred {$9800.00} from amex HYSA to amex rewards checking. The mobile app said that the funds would arrive instantly. 2. Funds were debited but not credited to checking account. 3. On contacting checking account customer service on XX/XX/XXXX, I was told that they do not have an incoming transfer and I should contact the savings account customer service. 4. I called Amex HYSA customer service on XX/XX/XXXX and was told that the transfer has been sent and it is unusual for the funds to not be credited. They gave me a transaction trace number and asked me to call again during business hours next day. 5. On XX/XX/XXXX, I called American Express checking and they again said there was no problem on checking side and transferred me to Savings customer service. After getting bounced around, eventually the checking back office and savings back office had a phone conference and the customer service agent updated me that the credit was processed as a debit on the checking account side and that is why it was not credited. They said that this was a fault on their end and they need to figure out what they can do and that someone will call me back with an update by close of business on XX/XX/XXXX. XXXX. I got a call on XX/XX/XXXX from someone from the back office ( unsure whether they were from checking or savings ) and they said that the funds were routed back to the savings account and I will receive them latest by XXXXXXXX end of business day. 7. I did not receive my funds back by XXXX end of business. I called customer service and they said they need to escalate it to the back office and it can only be looked into on the next business day on XXXX XXXXXX/XX/XXXX when the back office is open. It has been 4+ days and my funds are still missing when they claim that the transfer will arrive instantly. Their two banking wings don't talk to each other and keep bouncing me back and forth - I can't believe what I have to go through for a simple bank transfer. All this while I do not have access to my funds and nobody is reimbursing me for the lost interest. At this point, I don't even know when I will see my funds again. This bank should not be allowed to sell these products that don't even have basic reliability of processing fund transfer correctly. How can it be called a bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: AZ

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-26 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: AZ

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX XXXX XXXX XXXX account was closed for fraud and to this day I dont understand how or why? I opened this account and I explained that.It took forever for them to reopen my account up and send me a new card. Now the new card is not being reporting to the three major credit reporting agencies. I received a letter saying I need to tell them in writing I want it reported along with a copy of my drivers license which is ridiculous because I sent a copy of my license in order for them to send me my current card. Why wouldnt I want it reported? Im not going to pay to have a certified letter sent when Ive already sent the information previously. I want my account reported to the 3 major credit reporting agencies

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 2024-05-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My amex gift card keeps giving me a " system error '' message when I put the number in. I have no idea what the balance is. This is a {$200.00} gift card given to me at work and I can't use it at all. I have called a couple of times with long wait times and was only told that on XXXX date the system will correct. It has been several months and it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I called XXXXXXXX XXXX, requested internet services to be shut off. XXXX continued billing me for additional months even though service was disconnected. I moved shortly after that several years ago. Now Im getting calls like crazy from sequium asset solutions collection agency. Collections has filed a credit debt delinquency. My dad has had a similar experience disconnecting services and continuing to get billed after the fact. On top of that, XXXX just lost my ssn to some hackers, which they shouldnt have asked for in the first place if you ask me. My ID should be enough to verify who I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXXXXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
We are a registered company in the USA. We opened a paypal recently to receive and send money. Paypal labeled our account suspicious and permanently banned it. We submitted personal identification to get it unbanned but to no avail. They will not release our money for 180 days now. More concerning, they wont let us unlink or bank or card information. We think it was very unreasonable and would like to cancel all services with them and withdrawl our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Complaint Summary : I, XXXX XXXX, am filing a complaint against Citibank for their involvement in unauthorized XXXX debits totaling {$45000.00} from my Chase account. These transactions were made to a Citibank account associated with XXXX XXXX Credit Card payments without my consent, highlighting a significant security breach. 

Details of the Incident : XXXX XXXX XXXX XXXX Citibank : {$45000.00} Nature of Unauthorized Transactions : Payments to a Citibank credit card from my Chase account without my authorization. 
Date Range of Unauthorized Transactions : From XX/XX/XXXX to XX/XX/XXXX XXXX : The unauthorized transactions were identified during financial checks and were not flagged by Citibank despite the obvious discrepancies in account holder information. 

Questions to Address : How were payments authorized from an account that did not match the name on the Citibank credit card account? 
What are Citibanks procedures for verifying the legitimacy of XXXX debit requests, especially for significant amounts? 

Expected Resolution : XXXX. A full refund of the debited amount to my account. 
XXXX. A comprehensive review and strengthening of Citibanks fraud prevention mechanisms. 

Supporting Evidence : Detailed list of transactions showing the dates and amounts debited. 
Communication with financial institutions acknowledging the lack of authorization for these debits.

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 monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Collections account date is wrong and this lease was broken as a result of the Covid 19 pandemic and I applied for rental assistance for thr apartment but never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-05-26 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
Equifax is reporting unauthorized, unknown credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Complaint Summary - I, XXXX XXXX, wish to file a formal complaint against Honda Finance for their role in the unauthorized ACH debits totaling {$16000.00} from my XXXX XXXX  account. These transactions were processed without my authorization, and there was a clear mismatch in the account names, which should have been a red flag for any finance-processing entity. 

Details of the Incident Total Fraud Amount Against Honda Finance : {$16000.00} Nature of Unauthorized Transactions : Payments to Honda Finance from my XXXX  account without my consent. 
Date Range of Unauthorized Transactions : From XX/XX/XXXX to XX/XX/XXXX Discovery : The fraudulent activities were discovered during a routine financial review and were immediately reported to my bank and the involved financial institutions. 

Questions to Address : 1. How did Honda Finance process payments from an account where the account holders name did not match their records? 
2. What measures does Honda Finance have in place to prevent unauthorized debits and ensure the legitimacy of transaction requests? 

Expected Resolution : 1. I request a full reimbursement of the total debited amount. We have got reimbursement of {$3300.00} till date 2. A review and overhaul of Honda Finances transaction monitoring and authorization protocols Supporting Evidence : Transaction statements showing the unauthorized debits. 
Correspondence with XXXX indicating the reporting of these transactions as unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In 2020, my debit card and cellphone were stolen and the suspect attempted to make fraudulent transactions and perform an account takeover which prompted NFCU to close my account. I realized I was not able to log in the app one morning and when I called into customer care, the representative asked me what my last transaction was. When I confirmed the last one I remember, she said that it was incorrect and that my account will be closed and Ill never be able to join NFCU again. I never got a chance to even see what the suspect had done to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX me for rent when i never was there for a month to month lease and i the date are wr9ng on the form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-26 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
The company Absolute Resolutions Investments LLC is attempting to sue me, while they are not licensed to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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