vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
BMW FIN SVC XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of fraudulent charge-off and unauthorized collection accounts on my credit report, which have appeared without my knowledge or authorization. After reviewing my credit report, I discovered these accounts that I believe to be the result of identity theft or other fraudulent activities. I am providing detailed information below to aid in your investigation. 
Account Information : XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
I have no knowledge of the accounts mentioned above, and I did not authorize any transactions or credit agreements associated with them. It appears that my personal information has been compromised, leading to the creation of these unauthorized accounts. I have taken immediate steps to report this identity theft to the appropriate authorities. 
I kindly request that you conduct a thorough investigation into the origin and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I am aware that the FCRA requires credit bureaus to investigate disputes within 30 days of receiving a consumer dispute, and I urge you to adhere to this timeline. 
If your investigation reveals that these accounts are indeed the result of fraudulent activity, I request that you promptly remove them from my credit report to mitigate any negative impact on my credit standing. Additionally, please provide me with an updated and accurate credit report reflecting the removal of these unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the existence of an account that has appeared on my credit report. After a thorough review of my credit history, it has come to my attention that an account listed under my name is not mine and was opened fraudulently without my knowledge or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. I trust that your bureau will handle this matter in a diligent and lawful manner, and I expect a resolution that removes the fraudulent account from my credit report, allowing me to regain control of my financial standing and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: IL

Complaint narrative:
I disputed the charge from XXXX Concepts for {$6000.00} on XX/XX/XXXX with citibank credit card because I did not make the purchase. The owner of XXXX sent me text messages stating that it was charged to the wrong customer and it was immediately reversed. Citibank charged my account and would not reverse the charge. I filed a dispute on XX/XX/XXXX sending them text messages between myself and the owner of pitch concepts. They resolved the dispute in the merchants favor and held me responsible. I forwarded them email from pitch concepts on XX/XX/XXXX showing again that the charge was a mistake and was reversed. Citibank still has not resolved the dispute despite saying on their website that it will be resolved at the latest by XX/XX/XXXX. They claimed that the merchant is disputing the charge when I have have spoken to pitch concepts multiple times who have said citi bank has not reached out to them. Citibank is claiming that the merchant is lying to me. Pitch concepts have even offered to wire me the money and they will follow up with Citibank so they have no reason to lie to me. I have contacted Citibank repeatedly in the past XXXX months and they keep saying theyre working on it. I have asked the citi banks rep for proof their correspondences with pitch concepts merchant processor ( stripe ) but have not received any documentation from them. The supervisor at Citibank told me on the phone today that Whenever you have give your credit card to a merchant, they can charge your credit card any time for any amount and essentially said they will continue to investigate and if the merchant is disputing it, then youre responsible even though there is clear evidence that I was wrongfully charged. They have said multiple times they require no more information from me yet still wont reverse the charge.

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 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a prompt resolution and the restoration of my financial stability and peace of mind.

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 2023-11-16 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2023-11-16 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account had an outstanding balance of approximately {$370.00} ; two payments from being paid off. This card was issued by Wells Fargo, phone number ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX. My account was in good standing and closed once I made the final payment of {$370.00}. During this before I made the payment my bank account was compromised and I had to resolve that matter before I could pay my bill. During this time I notified Wells Fargo of the situation and was instructed that my account would remain in good standing due to the extenuating circumstances. When my bank account compromise was resolved I made the payment in-full and thought all was well. Then I received a notification that my credit score had changed, so I'm excited because I just paid off this card thinking my score had increased. Much to my dismay, my score was negatively impacted due to negative reporting my Wells Fargo. This was a total contradiction from what I was told was going to happen. I didn't work hard all my life just to have my credit ruined by some greedy corporate XXXX XXXX  guy that has a silver spoon in his mouth from birth. I've served my nation and was taken aback by how Wells Fargo treated me and I will never deal with Wells Fargo!

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 2023-11-16 00:00:00
Product: Credit 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: U.S. BANCORP
State: LA

Complaint narrative:
On XX/XX/, my credit card was charged. {$240.00}. Also on XX/XX/, I was charged {$130.00} for my account being over its limit because of the unauthorized charge of {$240.00}. The credit card company who failed to protect my privacy information and having included in a data breach is Elan Finacial Services ( phone # XXXX ). On their website myaccountaccess.com they vow to protect my privacy from data breaches and also to contact customers with 24hrs if a customer is involved in one. Instead, over two weeks later I noticed that my card was used unlawfully with no awareness to my credit card company. I informed them of the data breach. No one from the company has ever contacted me in regard to the data breach who to inform me of what exactly happened. On XX/XX/, I was contacted by the credit card company for late payment for the amount of money that was unauthorized. This has put me in a negative emotional state knowing that I was wronged. Also, I do not trust this credit card company Elan Finacial Services for not being able to protect my privacy. They have also been horrible in reaching out to me to even explained what happened. I no longer want to be associated with this company anymore. Their Privacy act laws and consumer laws that protects me against data breaches. Someone please help! 

my fraud claims # XXXX was created on XX/XX/2023 for Elan Finacial Services

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 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: HI

Complaint narrative:
This is a work from home scam. First, I received a text message on XX/XX/XXXX regarding a job opportunity as a XXXX and XXXX  XXXX. After chats through XXXX, a messenger app, for some questions, they sent an email with a job contract which I signed back. On XX/XX/XXXX, they sent a check attached on email and asked me to print it out and deposit to my bank account ( XXXX. ) That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After the check was deposited, on XX/XX/XXXX, they instructed to send 2 payments, {$900.00} each to XXXX using Zelle. After I made the transactions on the same day, I accepted XXXX to process the transactions. Immediately after ( within 5 minutes ) I realized that is a scam, I called XXXX right away but it was too late and the payments have gone through. XXXX said they can't recover my money sent via Zelle because I have accepted these transactions and nothing can do for the check either. A week later, the check was bounced and turned to be a fake. I also contacted Zelle right away through the Report a Scam page ( they don't provide a customer service phone number ) but they have never responded back to me as of XX/XX/XXXX. A complaint has been filed to CFPB against XXXX bank, complain ID XXXX, and a police report has been filed as well. I contacted Zelle again about the {$900.00} x 2 transactions on XX/XX/XXXX and am waiting for their response. The scam company contacted me first on text messaging and asked me to install XXXX - private messenger app and contacted with rest of the conversation through it. Not single phone conversation was made. There are three people I contacted with : XXXX XXXX XXXX Website : XXXX XXXX  XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The money I sent through Zelle to : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed XXXX XXXX charge to Citibank Visa. 
As a result, Citibank Visa deactivated & discontinued XXXX card ( ending # XXXX ). 
However, XXXX Payment Support Staffs insisted that I gave XXXX # even though I had said 4 or 5 times that I no longer had the card ( I shredded the card ) Citibank Visa XXXX XXXX told me that XXXX # can not be released over the phone. 

So I requested to release the card XXXX in mail. 
Again XXXX XXXX XXXX XXXX XXXX in 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 explanation
Consumer complaint received 2023-11-16 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: CO

Complaint narrative:
I want to file a complaint against Transunion. They refuse to remove a late payment for XXXX  XXXX account that was a mistake that XXXX  XXXX admitted to. XXXX  XXXX had a glitch on their online payment system which would not allow me to make a payment for a. month. They agreed to remove the late payment and take off late payment fees but Transunion refuses to remove the late payment on my account. not XXXX but 2 months.

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 2023-11-16 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..

Company response to consumer: Closed with explanation