vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCOUNTS THAT NEED TO BE DELETED FOR FRAUD XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( AUTO ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone created fraudulent checks under my name for various amounts totaling {$12000.00}. They submitted these checks at Chase Bank and XXXX Bank in XXXX, NY starting from XX/XX/2023. They also tried to make a wire transfer from Chase to XXXX Bank ( a fake account they opened under my name ) for $ XXXX. This was declined. However they went to a Chase Branch and was able to hijack my account. Change my email and phone number. My accounts were already frozen and Chase made matters worst by giving this person my personal banking account. Now they can see everything in my accounts. I received no alerts from Chase except for a XXXX payment to an unrecognized name. On XX/XX/2023 they made a {$3000.00} withdrawal and wrote another fraudulent check for {$4800.00}. On XX/XX/2023 they were still able to make withdrawal of {$3500.00} and I received NO ALERTS again. Even though my account specifically says no checks to be made. No withdrawals unless at the branch I specify. As a Chase client for almost 20 years, I am appalled that someone who speaks no English can impersonate me. My credit score dropped from XXXX to XXXX. I had to cancel all my cards including debit card because they allowed this person to have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I had received some money but then on XX/XX/XXXX I realized the money was no longer there. I then realized my bank card was also missing. Then I called my bank customer service and they told me that I could report any fraud until XX/XX/2023 which I found this very strange. After that I called XX/XX/XXXX and they said the money was in my account which it wasnt then a claim was made. Right after the claim was made they sent me a letter on XX/XX/2023 saying they were going to close my account. The bank institution is called citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen to create the XXXX XXXX account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( XXXX XXXX ) that extended the loan. I checked my bank account the following day before I called the XXXX XXXX company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this XXXX XXXX company. I immediately called my bank to freeze my accounts, then proceeded to call XXXX XXXX to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this XXXX XXXX company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting a CFPB complaint to request an investigation and correction of the listed account, which appears to be incomplete and inaccurate on my credit report, as provided for by the Fair Credit Reporting Act. The account in question is with XXXX XXXX, with the account number XXXX, and a balance of {$0.00}. I urgently require confirmation of the current status of this account. I have reason to believe that the information being reported is incorrect, as it does not match with my own records. Therefore, I am requesting a thorough investigation and prompt correction of any inaccuracies to ensure that the information on my credit report is legally and lawfully accurate.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Company : JCPenney  Date : XX/XX/2022 Amount : {$3.00} late payment by the company In accordance with the fair credit reporting act JCPenney, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX, I was a victim of bank identity fraud. The Bank of America, which I have never utilized, allowed someone, online ( and clearly without identification ) to open an account in my name. I was told this is a new COVID policy. Considering everything has opened since the pandemic, I feel this is not a valid justification but simply a way for them be remain laxed in their security procedures. This person was able to obtain access to my social security number and opened an account with errors in my mailing address and with my name spelled incorrectly. When I learned of the fraud, I had to go through the trouble of freezing all of my accounts. I even obtained the services of an identity protection agency. It has required a lot of time on my part to try rectify this issue. I immediately contacted the Bank of America who said that the account would be closed. The following month, I received another bank statement. I called the Bank again and was informed the account the closed but a last statement may have been mailed. This past Friday - XX/XX/23, I received another statement. I just called and now I am being told that the investigation is still pending. They sent me a packet of forms they wanted me to complete with all of my personal information and which also required me to request personal documents from the social security XXXX. I told them that this should not be my responsibility since it was their lack of security which allowed the creation of this problem. Yet they now want me to spend additional time to request all of these documents with my personal information and send it through the mail. First, this is none of their business. They should not have access to all of my personal information. I am not even a client of this bank. Second, I am not comfortable sending this information through the mail when my social security number has already been compromised. In fact, this Bank has had issues with previous data breeches. Hence, why would I want to provide them with more information. They want more information to close the account than they required to open the account. When I called on XX/XX/23, I was on the phone for over an hour and spoke to multiple supervisors who will not tell me when the account will be closed. They are actually telling me if any transactions occur with this account, I could be held responsible. Today ( XX/XX/23 ) I received a letter sating they are refusing to close the account because I refuse to provide them with any more personal information. How can it take more time to close an account than it does to open one? Something is inherently wrong. I could really use some assistance in this matter and I believe their policies need to be changed.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened a SERVE checking account and was only making deposits into this account for things I needed in the future. I requested the Bank to pay a bill by depositing money from my account into another account XXXX. I Provided my account number for the XXXX deposit and I waited to see the money be transferred into my account. It was on the XX/XX/2023. After attempting to call this Bank customer service I found that the only way to get in touch with a live agent was to go through the list or stolen card prompt ; I did talk to many many agents who just shuffled me from one person to another. I finally called XXXX to see what could be done after SERVE insisted that I call them to get a resolve but they could not do anything but advised me to keep checking my account. Finally a check arrived to my mailbox addressed to XXXX, with the XXXX account number on the check. I called XXXX back after I could not deposit the check via mobile app without direct deposit but they advised me to take the check to XXXX, XXXX or XXXX which are stores that can handle a deposit of funds into my account. After visit XXXX and other stores they inform me that they could not deposit the check because it was not in my name but made out to XXXX. I even tried to deposit the check into my personal major Bank account but again was told that the check had to be playable to me, in my name to be able to cashed or deposited into my account. After this I began to be Leary and called SERVE Bank on several occasions and tried to explain my situation asking that they cancel the current check and replaced the money back into my account. After countless of unexplained dropped calls the customer service representative just hang the phone up in my face and now it seems as if my phone number is recognized and it is not even being answered now. I have vowed to get my money out of this bank and close the account but I need help with this problem. I am not able to get a resolution or response to the right person to fix this wrong and it it just not right to withhold my money like this. I am seeking your help with this situation and I thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Recently, I found account in my Equifax credit report that doesn't belong to me. I don't know this account and I have never had anything in common with this bank. This account appeared recently from nowhere and is reported as closed Authorized User account and my friend advised me to contact you in order to make an investigation and help me to remove this account. I would like to have a fair reporting. I believe this account was placed my mistake. Please help me. 

The account is as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to easy identify myself please us the XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. Account opened XX/XX/2018 for {$270.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Yesterday, on XX/XX/XXXX, I noticed a significant drop in my credit score and conducted an investigation to identify the reason behind it. Eventually, I discovered a derogatory mark on my credit report that was caused by a credit card ( HSBC Bank USA ) that I had not used in three years. Since it was past business hours, I called the bank the next day to inquire about the issue. A representative informed me that the bank had undergone a recent buyout, and I had an outstanding balance on the card. However, I clarified that I had not used the card in three years and disputed the fraudulent charges that were made in XXXX. The representative advised me to contact the dispute team the next day and updated my mailing address, which was outdated. 

The following day, I spoke to the dispute team and reported the fraudulent charges. The representative questioned me about disputing it to the credit bureau, stating that they had sent statements to the address. However, I explained that they had an outdated address and that I would have disputed it immediately if I had known about the balance. Eventually, the representative took the claim and informed me that it would take 60-90 days to review. 

Further investigation revealed that HSBC had sent an email on XX/XX/XXXX, before the fraudulent transactions, informing me that my credit card would be closed on XX/XX/XXXX due to a sale to another service provider. On XX/XX/XXXX, I received another email stating that the date had been pushed to XX/XX/XXXX, which was around the time of the fraudulent transactions. I was not notified of the charges or provided with any statements. 

In addition, I have an ongoing dispute with XXXX regarding the derogatory remark ( which is not on my XXXX and XXXX credit reports ). I have also filed fraud alerts with all three credit bureaus and submitted a complaint to the Federal Trade Commission.

Company response to consumer: Closed with explanation