vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We were issued a Citi credit card ( XXXX XXXX ), which we had for almost a year. Then in XXXX of XXXX, we tried to use the credit and couldn't. So we contacted Citi and was informed that they had closed our account and that they could not give the reasons over the phone. Citi informed us that we need to request the reason for the account closure via a written letter and then send it to the address that was given to us ; which we did. After a week or so, we receive a response letter from Citi which indicated the reason for the account being closed. 

Citi stated in the response letter that our account was closed due my spouse 's prior conviction in XXXX. Since then my spouse has been a model citizen!! My spouse has had steady employment, obtained a mortgage, purchased a home, a vehicle and so forth. 

In the meantime, we owed about {$6500.00} on the card. We continued to make payments and Citi refused to reimburse our rebates that we acquired from our purchases. We then contacted a lawyer and he advised us to file a complaint with Consumer Finance. 

We had the Citi credit for almost a year and has been using it and making regular payments before the closure. Citi even praised us for our outstanding credit history payments and increased our limit. So, to just closed our account with no warnings and no notice, is unwarranted. As a result, we had to jumped through hoops to find out the reason for the closure. Citi should have done their due diligence and all the necessary background checks before issuing us the credit card. This is unethical and unprofessional on their part.

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 2023-05-18 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: TX

Complaint narrative:
The issue is that I am a victim of Identity theft and you had multiple loans applied for in your name. After I reported the fraudulent applications to the creditors involved you sent disputes to clean your reports with the credit bureaus. After some time both XXXX and XXXX removed all of the fraudulent accounts and inquiries that you reported to them but Equifax has not. I have attempted to dispute these inquiries multiple times with Equifax but they refuse to remove them and instruct me to " reach out to the creditors and request they remove the inquiry ''. I did attempt to reach out to the creditors but they were unable to assist you with the removal because they have already reached out to Equifax the first time it was reported to them. At this time there is still a list of fraudulent inquiries on the Equifax credit report that they are refusing to remove. 

List of fraudulent inquiries on the Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My desired outcome is that Equifax remove all fraudulent inquiries from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I originally opened my account in XXXX but kept same account when I moved to AZ. I have two checking and one savings account at Chase. I recently sold my home and buying a condo requiring cash. I received an ACH transfer from my title company using the same routing number as on my checks. No problem, that transfer went thru smoothly. However my brokerage also sent an ACH on XX/XX/XXXX and I/we keep getting the runaround from Chase ACH support services. Ive called every day. First they told me on Tuesday that they found the payment and would post by XXXX. No! So called again on Wednesday, no record of transfer! Called again today on a 3-way call and were told because the amount was over {$100000.00} it would not be released until XX/XX/XXXX following investigation! Please help, we are only reaching XXXX support who then texts someone else for guidance. They said there is no XXXX contact for Chase ACH accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below be removed/deleted.

According to 15 USC 1681 ; I have the right or privacy and I did not give Equifax written permission to furnish inaccurate accounts listed below. 

Account Name & Account Number : XXXX XXXX XXXX XXXX 
Account Name & Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MN

Complaint narrative:
My complaint is based more so on Lexis Nexis. Upon learning of them, I began to look further into my information, requested my report as it was given to others, and also wanted a stop to them further providing any information about me without my consent. Furthermore, someone collecting information on my ho.e, my accounts, were I work, who I talk to, what I drive, etc. Has a different type of word in my state., 2 actually stalking and harassment with the I tent to do harm. My attempts to receive the report lead me moresoe down a rabbit hole then anything. It was developing g the report and things like did you know XXXX has been plaved on a watch list by individuals... .obviously that isn't information any person could just find on an internet search, it lead people to believe their were XXXX XXXX potentially about to be shown to them, etc. My family are all criminals. None of this is at all anywhere near a a complete truth. 
In order for me to have the report stopped from being released, they required I provide them with my social security number and driver 's license number, home address. I don't believe this group has the authority or my consent at any point for a file with my banking information, my annual income, etc. To be given to them let alone distributed for payment... it's my information, if any money is made off of it,, it's my money, not theirs. It's my information ... and it's for sale.?. For Profit?? How is this even legal and why are they allowed to do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
So I have 2 checking accounts with Bank Of America. Bank Of America toke money out of one of my checking accounts and placed it into my other checking account without my permission. They then said they will not give me my money back.

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 2023-05-18 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX this month Wells Fargo assumed credit from XXXXXXXX XXXX XXXX  holding with XXXX XXXX. 

On XX/XX/XXXX I noticed a fraudulent charge on my account that was supposedly done on XX/XX/2023. I notified Wells Fargo and they said the entry was not a normal entry with no address or phone number of the Hotel charging my account. They also noted that the entry could not be disputed because their computer would not allow them to make that choice. They said that day the charge would be resolved within a few days. 18 days later they are still saying I need to make a fraud claim that they say their computers wont allow ... .lol So I cancelled my account but they have yet and dont seem interested in deleting the charge. I need help. 

Thank you, 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 monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
I transferred an amount of {$10000.00} on XX/XX/2023, and {$15000.00} to Wise Inc. on XX/XX/2023 through wire transfer from my bank account. These were already both deducted from my account the same day then Wise closed my account after receiving all these money on XX/XX/2023. I called in today XXXX XXXX ( XXXX ) and they said they didn't know why my account was closed and they would get back to me after 30 days for them just to perform some review without guarantee that my money will be returned. 

I want this resolved as early as possible as those are for my child 's medication ; hence, the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I seen a charge on my account of XXXX dollars. I looked at the purchase and I was at work during the time of purchase 3 hours away from the location! I contacted chime they filed a claim and 5 days later they denied this claim I reopened the claim and they denied it again chime has been doing this to allot of people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These are unauthorized inquiries which I have not approved or given written permission to furnish in my credit report : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a credit report alert from my personal bank on XX/XX/XXXX of a new inquiry on my account with all three credit bureaus. I logged into my XXXX account to see a debt collection on my account. The debt was placed on credit report on XX/XX/XXXX. I have no knowledge of this debt and was never notified by the debt collector. I immediately file a dispute with XXXX of " no knowledge '', which XXXX refused to assist. Stating the debt collector said the amount owe and debt was accurate and verified. My question is my whom? I was not made aware of any debt from the debt collector or original creditors. I was able to file a dispute or complaint in the allotted due to the debt collector 's failure to notified me prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: GA

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, has violated my rights. 

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 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Original Creditor XXXX XXXX XXXX XXXX : Southwest Credit Systems Balanced Owed {$620.00} Date Opened XX/XX/2021 This collection does not belong to me. My father and I have the same name and his information has crossed referenced with my information and it has caused issues with me verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I recently got scammed by a friend. I was in need of some financial help, so he wrote me an echeck. I thought the check was legit turns out it was not, and he was part of a new scam. Unaware of this and being too trusting I deposited the check, only to receive an email that my bank accounts are closing, as a result of this my credit score dropped significantly. This all occured on XXXX XXXX, 2023. I asked the bank to keep my account open as I am a victim of a scam as well, I have a constant deposit into the bank and good standing with them.

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 2023-05-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used my CapitalOne credit card to pay for a service from XXXX. XXXX never completed their end of the agreement and I spent months trying to work with them and ended up never getting a response. Since they refused to refund me the money, I called CapitalOne to explain the situation and dispute the charges. After sending in documentation that showed the company was unresponsive, CapitalOne reversed the charge on my account, only to reverse it again and tell me the charges were valid. The initial charges were on XX/XX/2021 for {$470.00}, {$1000.00}, {$150.00} and another charge on XX/XX/2021 for {$100.00} bringing the total to {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: LoanCare, LLC
State: WV

Complaint narrative:
XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Loancare LLC XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 an 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 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 non-monetary relief
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
PayPal credit ending in XXXX. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
DIVERSIFIED ADJUSTMENT has Submitted False documentation stating that the account is opened since Date opened XX/XX/2022 when it wasn't I don't know who this company is but its hindering my credit Score do the False Information I never Spoke to this Company or Signed any Documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation