vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC
State: IA

Complaint narrative:
I talked to NR Solutions on Friday XX/XX/XXXX. They claimed I owed XXXX debts but couldn't verify what it was for. I sent a letter requesting the debt to be verified and more information so I could even know what the debt was for. I never got a response. Now they have called me on XX/XX/XXXX, XXXX, XXXX, every XXXX days and still called today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-03 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
My information was used to apply for a Chase Freedom credit card without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/23 I set up one payment for each of XXXX of my credit cards. There wasn't enough in the bank account the money was coming from because I selected the wrong acct. But the credit card company attempted to take the money XXXX times for each card. Resulting in XXXX chargeback fees for only XXXX payment scheduled ( XXXX because XXXX separatecarda they did this to ). I called the company and they didn't accept that they did that attempted to take money XXXX times. I can clearly see it on the bank statement.. and refuses to pay for the fees that their program/company messed up on. I have emails from the company saying my " scheduled payment did not go through and must be rescheduled " so there should not have been XXXX more attempts to take money from the acct. For each card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was out of the country in late XXXX and returned on XX/XX/2023. When I returned I saw that {$6600.00} had been charged fraudulently to my account while out of the country. I filed a dispute with Bank of America on XX/XX/2023. On XX/XX/2023 Bank of America denied the claim because I waited too long to file the dispute. I reopened the dispute on XX/XX/2023 after stating I was out of the country and filed the dispute the next business day after my return. 

Over the last 90 days I have received no correspondence from Bank of America, I call regularly requesting updates and I'm always given another timeframe that turns out to be incorrect. I was told I'd have a provisional credit within 10 days, that didn't occur. I was told the merchants had 45 calendar days to respond to requests and then I would receive at least partial credits, that hasn't happened. 

I have been told from the beginning that the bank has 90 days to reach a decision and once that timeframe elapses I will receive a full credit of {$6600.00} if they need more time. That time elapsed 7 hours ago and I don't have a credit as of writing this messeage. 

I contacted Bank of America for another update this morning and I was told they don't have a specific timeframe for resolving disputes which directly contradicts everything I've been told. I have companies owed money that have been very good to deal with but that patience is over and I need to pay approximately {$3200.00} in bills to our leasing agency and for utilities. We can't operate if they don't credit the account. 

Every time I call I get a different response and there are times that they can't even locate the claim. I've requested calls back from the investigator, escalated the claim, and asked for the 48 hour cure. None of that has happened. 

All I want is for Bank of America to do what they say they're going to do and credit my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: U.S. BANCORP
State: TX

Complaint narrative:
I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. 
This situation is giving me hard times in my job and daily life. 

US BANK XXXX -- XXXX This account is reporting in XXXX and XXXX. 
XXXX XXXX XXXX XXXX -- > This account is reporting in XXXX only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I terminated my total services with XXXX, and returned all of their equipment to their local office. The local office told me that I would receive a credit and would be mailed a Final Accounting by mail which I never received. I continued to look at my on line account and saw various charges appear changing from time to time with no explanation. 
On XXXX XXXX XXXX, I called XXXX accounting dept. and had a phone recorded conversation with a representative who referred to herself as XXXX. After much discussion, she told me that the balance on the account was XXXX Thinking it was settled on XXXX XXXX, XXXX I received an inquiry from a collection agency XXXX XXXX XXXX XXXX ( XXXX ). I responded in writing and sent them documents. Did not get a written response and then called them and they said they were still processing and would get back to me which they never did. I then saw they had contacted XXXX to affect my excellent credit rating. I disputed it with them XXXX XXXX XXXX  and after their investigation it was deleted from my credit report. No further inquiry from XXXX. 
In XXXX. I received another Written inquiry from another collection agency XXXX  Accounts System ( XXXX ) about the same issue. I responded by mail with the information I received from XXXX and since have received numerous phone calls from XXXX  which I have not responded except to tell them to respond to my written reply. To date no written reply. 
To date no one has ever responded to the discussion I originally had with XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-03 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: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: VW Credit
State: TX

Complaint narrative:
I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. 
This situation is giving me hard times in my job and daily life. 

XXXX XXXX  XXXX -- XXXX This account is reporting in XXXX and XXXX. 
VW CREDIT INC XXXX -- > This account is reporting in XXXX only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I had a 2nd venmo account attached to my daughter 's phone number which is XXXX. I signed her up for a teen account attached to my venmo account which is XXXX and it said i need to close one account. The account XXXX needs to be closed and $ $ transferred to me or simply transferred to the teen account. The teen account could not be opened because they said it was tied to another account. I can not even access the other account. It has over {$200.00} in account with no way of accesing the account. Help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: VA

Complaint narrative:
I found inaccurate public information on my credit profile. I disputed with Transunion, XXXX, XXXX and XXXX XXXX. All of them removed the information for violation of FCRA. Only Transunion refused to do so. I will attached all the document below.I also sent FTC report to TransUnion which TransUnion refused to investigate. 
TransUnion deliberately refused to do any investigation and repeatedly send me letter of verification. When I demand the proof they refused and outright ignored me on multiple occasion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my PayPal account to my XXXXXXXX XXXX  checking account, upon checking my bank account the funds never appeared! I contacted XXXX XXXX immediately and I learned that this particular account had been closed due to inactivity as I was unaware and XXXXXXXX XXXX never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to PayPal I waited for about 72 hours before contacting PayPal as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with PayPal money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and PayPal got back with me and according to their investigation XXXX XXXX had received funds, I contacted XXXX once again made them aware of what PayPal had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and PayPal so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as PayPal had not received funds back and PayPal told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with XXXX  and PayPal and still had zero answers as to where money was!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: AR

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-10-03 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: TN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report. The following unauthorized inquiries are : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX ( auto finance ) -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 2023-10-03 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MD

Complaint narrative:
On XXXX the XXXX, 2023, I tried to access my checking account on line threw Direct Express and the call after getting my pin number and the last XXXX digits of my account I was also asked for my XXXX digit account number, something I had not had to do in the past and was put on hold with no one answering and I am kept lessening to music. I tried for days to connect Direct Express and they would disconnect my call. I can't reach nobody and the last time this happened someone tried to remember my account number and got my account closed. The last person that handled my card was a family relative. Now I can't contact the bank to find out what happened because I can't get any one on the phone. Now I can't pay none of my bills or rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX started getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. Citizens has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.

Company response to consumer: Closed with explanation