vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I noticed fraudulent charges on my Wells Fargo account so I called my bank to report over {$800.00} and charges to XXXX 's that I did not make. After filing the claim I went down to the police station and also filed a police report, my daughter had stolen my card information from my wallet without my permission and from XX/XX/XXXX to XX/XX/XXXX she made several transactions at XXXX 's adding up to over {$800.00}. I called my bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and today XX/XX/XXXX. I explained to them on each of these phone calls that I did not authorize these charges on my card and that I wanted my money back. I filed the dispute they closed it I filed another one and they closed it again saying that they would not reimburse me for these unauthorized charges on my account and that I would be responsible for them. I complied with each of the requests. I wrote out on a piece of paper I did not authorize these charges and sent it into them as they requested and it was still denied. I went into the bank on XX/XX/XXXX, XXXX and XX/XX/XXXX and spoke with the XXXX about my case and explained that my daughter had gotten into my purse and taken my card number and saved it into her wallet on her phone allowing her to make these transactions without my knowledge. After speaking with Wells Fargo today they told me that my claim was denied and that they would not be refunding me and the XXXX that I spoke to on the phone hung up on me after requesting to speak with his XXXX due to his improfessional manner. I did not authorize these charges they are charges and I need my money back I still have an open case with the police department being investigated.

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 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: MIDFIRST BANK
State: WY

Complaint narrative:
On XX/XX/23 {$11000.00} was transferred from my checking account at XXXX XXXX to an account that was opened using my identity ( name, SSN, DOB ). I had no knowledge of this account. I filed a fraud claim with XXXX XXXX and Midfirst Bank/Vio bank denied the claim, as they stated it was authorized. It was not authorized. I have spent the last 3 months trying to get my {$11000.00} back. XXXX XXXX claims Midfirst bank is responsible for returning the money, and Midfirst Bank claims XXXXXXXX XXXX is responsible. I spoke to customer service at Midfirst bank on XXXX was told this is being investigated, red flags were raised, it was unusual and someone from the fraud department would contact me. They could not give me the account number. I was told there was a good chance I would get my money back. No one contacted me. I called Midfirst back on XX/XX/23 and was told XXXXXXXX XXXX filed the claim incorrectly, as this is identity theft. They also informed me the account in my name had been closed. I called XXXX XXXX and they told me they submitted a new claim on XX/XX/23. I did not hear back from either bank and each bank told me to call the other bank. XXXX XXXX stated the identity theft claim should have been initiated by Midfirst bank, and they are responsible for refunding my money. Midfirst Bank stated that they did not receive the claim that was submitted on XX/XX/23. ( I received a letter of confirmation from XXXX XXXX of electronic fraud ) They also stated that the claim was submitted incorrectly, and more than 60 days had passed, so they do not have to refund my money. They stated that had the claim been submitted correctly, they would have to refund the money. Midfirst bank opened an account in my name and did not properly identify the person who opened this account, and they should refund my money.

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 2023-09-20 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/2023 I had a direct deposit in the amount of {$1800.00} directly deposited into my XXXX Bank Account issued by PNC Bank XXXX XXXX, a campus based Federal student loan servicer. On XX/XX/XXXX " XXXX XXXX Banking closed my account due to violating there " ACH Transfer '' or in other words, " Direct Deposit '' policy. But at first they had told me it was for fraud, I was told that the names on the accounts did not match. Which was a complete lie and they disregarded my willingness to provide proof. I have been attempting to gain access to my money for going on 60 days now. I even had an affidavit emailed to me. Printed the affidavit, filled it out, had it notarized and mailed back to XXXX to have sent to the bank who has been holding my student refund because they refused to reverse the deposit back to the loan servicer to have them redirect the deposit to my other financial institution. XXXX Bank has refused to even email me or call and discuss the matter so here I am taking what ever steps I need to to get my money. I have been trying to get my refund since XX/XX/2023 and today 's date is XX/XX/2023 and I am getting the same run around about contacting them, 5 to 7 days for update, never get update then told to contact the school XXXX XXXX. Then they tell me they are waiting for response from them, and so on. I am getting nowhere with PNC Bank, XXXX XXXX banking, XXXX nor XXXX XXXX  XXXX XXXX XXXX XXXX campus. Please help me CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several accounts were opened without my knowledge or consent. I am a victim 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 2023-09-20 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:
Several accounts were opened without my knowledge or consent. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several accounts were opened without my knowledge or consent. I am a victim 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In 2020, the group that also " works '' at Chase bank ordered a death hunt on me.

I nearly died. And I was temporarily declared dead.

Chase staff used this opportunity ( or did they create it? ) to impersonate me to receive a large inheritance.

To my last complaint, they responded with a letter with completely made-up false statements. No, I did not receive a Cashier 's check from Chase, and I invite them to show evidence of where it has been cashed in. 
https : XXXX Interestingly, the file name format follows the exact same pattern as other police-reported involved institutions, for instance, " XXXX XXXX XXXX. '' Furthermore, I would like details on the account that was allegedly closed in XXXX Who closed it? Why? Please provide the transaction history. 

My account is open, and it has over XXXX Million USD on it. 

I'm in a homeless shelter, and I've been told by Chase employees that I'd die from no money. 

The " bank '' already lost their banking license, because they do not just try to murder me and steal my account. Every banker can see that Chase has no banking license. Every IT person can see that they're now operating a spoofed website, because their website has been taken down. A simple traceroute does the trick. 

I need my OPEN bank account back, with my over XXXX XXXX USD. 
Please see XXXX for details and tons of evidence on this group. 

It follows the same pattern as the XXXX Bank theft, where you will find evidence, such as calls, communication, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: MD

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-20 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: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.

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 2023-09-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Noticed four items on credit report for LVNV Funding - I have never opened an account with LVNV Funding LLC, that they are saying I opened XX/XX/2022. Did try disputing with credit bureaus - no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The bottom line is I am being charged {$6300.00} for money I never received from a flex loan from my Citi Thank You Preferred card. Here are the facts : In XXXX I applied for a flex loan of {$6300.00}. When I received an email stating that it was approved, I saw online that the money had not been deposited into my account, but that I was being charged for it on my credit card. I called customer service and spoke with a supervisor in Kentucky, who said the money had been deposited into my account. When I insisted that it had not, she asked for my checking account number and verified that I was indeed correct. She then told me she would launch an investigation into the issue, but she said she could not remove the charge at that time. 

After several more phone calls over the next few weeks, with everyone agreeing I did not receive the money, I told Citi to please cancel my loan application. I no longer wanted the money ; I just wanted the charge removed. To my delight the loan and the charge were both cancelled the next day. 

Unfortunately, that is not the end of the story. When I checked my account online on XX/XX/XXXX, I saw that the credit of {$6300.00} that had been issued to my account was reversed, and I was again being charged for money I never received. I Citi again and spoke with XXXX who told me to check with my branch, but after conferring with a colleague, told me the investigation is ongoing, and that it is Citi 's practice to reverse a credit if it is not resolved within a certain amount of time. 

Since then, I sent a letter to my broker, who said he sent it on to the right people, phoned Citi several times, and spoke to XXXX ( supervisor ) in XXXX. She promised to get back to me but never did. 

Yesterday, XX/XX/XXXX, I received a letter from Citi stating that they can not cancel the flex plan because it was already processed. I phoned Citi and spoke to XXXX, who was lovely and promised to get my information to the right people and ask them to get back to me. 

I am also being charged interest on this non-existent loan, and the charge has been reported to the three credit reporting agencies. I did register a dispute with the three agencies on XX/XX/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 2023-09-20 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief