vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
In accordance to the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
XXXX XXXX Original creditor, {$2000.00}. I C SYSTEM Last reported XX/XX/2022 This bill is reporting on my credit report. I have asked this company to provide me the documentation with my signature, phone ID and, social security card/number verification. I have not ever purchased or access a XXXX  phone line.

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 2022-10-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 2.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report 3.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report

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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On or about XX/XX/2022 I had Fraud occur on two accounts : XXXX  checking account and Upgrade card I received refund from XXXX immediately. The money was withdrawn from my XXXX  account via a cash tranfser from upgrade. The money transferred to Upgrade was then transferred to an unknown account. 
XXXX determined to take funds back. They said that I would stand to benefit financially. I then went upgrade and asked for the defrauded finds back. They have yet to comply or answer or reply to my email and phone inquiries. XXXX is getting inpatient Please help me get my funds back. 
The Upgrade account is in question if I set it up ( enrolled ) or was fraudulently set up. Either way It was my money from XXXX. The upgrade account was in good standing with upgrade until incident. 

These are the data points I have for upgrade ; Case No : XXXX Account No : XXXX Account No : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was renting a space to park my truck at XXXX XXXX XXXX  in XXXX, Florida. They sent me a notice that i need to vacate the premises by XX/XX/2022, in which I did. The woman that was handling the payments passed away, and the recurring charges continued, the business is blaming the poor woman, nonetheless, I contacted Wells fargo Bank, I filed a dispute. They agreed, however, they only refunded me {$290.00}. The total amount of the unauthorized charges amounted to {$630.00}. The storage unit refuses to refund me the difference of {$330.00}, and so does Wells Fargo. I contacted Wells Fargo and even visited a local branch, they said initially they were only liable for {$290.00}. When I called them back and spoke to customer service, on XX/XX/XXXX, they sated that they would refund me the other amount of unauthorized charges, with the method of a manual credit. I called back, they have no recollection of such conversation. They did not do what they promised to do. I have not received my refund as they stated. Thank you.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been on auto-pay a very long time with Citicard. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid Citicard in full for {$130.00} On XXXX Citicard reported me {$130.00} delinquent dropping my credit score XXXX  points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.

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 2022-10-01 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: BANK OF THE WEST
State: OK

Complaint narrative:
I am a customer of Bank of the West. My Debit card was recently charged for charges I didnt purchase within this month and last month. I went to XXXX, XXXX for a vacation. The date were XXXX XXXX XX/XX/XXXX of 2022. During my stay I lost my debit card around the XXXX or XXXX of XXXX. I reported the card lost/stolen to my bank through the mobile app and requested a new card. When I got back to the United States on the XXXX of XXXX the new card that arrived in the mail had the exact same 16 digits on the card that I had lost. I dont know if this was a mistake or what happened. I went ahead and kept the card, but changed the PIN number on it. I checked my account to see if any unusual activity was taken place but none at the time of me looking. I had got pending credits from XXXX, that I did not do. I didnt notice the credits were being charged everyday until the XXXX of XXXX. I went to go get gas and my card declined both at the cashier and at the pump. The last time I checked my account I had about {$2400.00}, when I checked it the day the card kept declining I only had {$8.00}. I immediately called the bank and my account was frozen and put under investigation for 7-10 business days. In between the time of the investigation, I talked to the fraud department of my bank several times and one time being a supervisor. Out of the money that was taken, the bank only awarded me {$860.00}. I called the bank back and the supervisor of the fraud department named, XXXX told me that the examiners are the ones who look into the account and thats what they gave me. I asked could I talk to the examiner I was told, no and that they would contact me. I asked, when the supervisor replied maybe next week. I feel the bank is not trying to help me solve my problem and get my money back and at this point, I want someone to please to investigation on whats going on, because my bank I feel doesnt care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX  XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A 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 AN ACCOUNT WITHOUT WRITTEN CONSENT.

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 2022-10-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXXXXXX XXXX  XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$610.00} THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX # XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A 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 AN ACCOUNT WITHOUT WRITTEN CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I was a victim of a scam that cleared out XXXX $ from my bank account with Truist Bank. My personal computer was hacked and I was given a number to call because I was told my bank accounts were at risk of being hacked. I was told I was talking to a Truist bank member and they gave me directions to protect my money- a wire transfer that needed to be done at the branch. When I went to my local branch and told the banker - XXXX XXXX that I was told to wire money by a bank member she did not ask me any questions. Later that evening I was told I was victim to a scam when I told my parents what happened. The next morning - when the bank opened I was there waiting to make the recall- XXXX XXXX was the banker again. I asked why she didn't ask any security questions or questions about possible fraud or scam she laughed and said even though she was trained to do that she does not. She made the recall- in the paper work I have she posted the recall for XX/XX/XXXX. I called later to speak with her about why this was being made so late and was told she was no longer with the bank- however she was the one supposed to be receiving email notifications about my recall and let me know what was going on. I don't think the bank ever intended to contact me about this change- I had to call repeatedly until I finally spoke with XXXX and she confirmed the late recall date and I asked why the wait and she could not give me an answer. I noticed a wire transfer fee on my statement- I called and asked what this was for - and the person I talked to said all of that should have been explained to me along with being asked questions when I made the wire- nothing was explained to me and no questions were asked. I have never made a wire transfer before. Over the next several weeks and leading to months I have gotten the run around from every person I have talked to - often they can't tell me anything for find my case. Many banks have holds on first time wires out of accounts or holds on wires with red flags such an account that is only used for deposits. Wire recalls made within 24 hours have a high success rate of being returned but my wire was not recalled. I have many concerns about the security of Truist and have read many stories about the frauds and scams being run through their bank because of the lack of security. So far I still have not heard back from Truist, I keep getting told they will look into things for me.

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, approximately XXXX I was grocery shopping at XXXX around the same time someone had my debit card information and purchased item ( s ) at XXXX in the amount of {$2200.00}. When I got home from shopping at XXXX, I turned on the XXXX game and they were losing so at half time I went to check my emails and that's when I saw the email from Chase stating the charge. I immediately called chase to dispute the charge and file a claim. While I was on the phone with Chase I receive another email stating I added my card to XXXX XXXX  and there was another charge at XXXX XXXX XXXX for {$70.00}. I never had XXXX XXXX  and I don't have a XXXX membership. Chase did credit back the {$70.00} but they said I authorized the XXXX charge of {$2200.00}. I faxed information from XXXX to Chase fraud stating I don't have a membership and the one I did have expired XX/XX/XXXX and my last purchase was at the food court. That was faxed on XX/XX/XXXX at XXXX The next day I filed a police report with the XXXX, Detective XXXX is assigned to my case. I gave all this information to Chase and they said they will reopen the claim. I called Chase on many occasions to get the status on the claim, only to be told the investigators are still viewing the claim. on XX/XX/XXXX again to get the status only to be told the claim was never reopened, the claims rep. escalated the claim and transferred me to a supervisor in which the Supervisor treated me like was the criminal. From what I found out the investigator never contacted XXXX and/ or XXXX XXXX to confirm if I have a membership or an account with them. I'm doing all the investigation to prove I did not authorize these charges. I really need help with this, I feel they're saying thing just to get me off the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Identity theft - XXXX XXXX XXXX reported a XXXX loan on my credit report in XX/XX/2022. I reported the fraudulent account to Equifax who confirmed the fraudulent loan belonged to me. However XXXX and XXXX removed the account. equifax refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
I changed my phone number in XXXX of XXXX. Since that time I have been receiving frequent phone calls from Radius Global looking for who I assume is the previous owner of this number. I have spoken to them on the phone on several occasions stating that I am not the person they are looking for and told them to stop contacting me. They repeatedly call asking to speak to " XXXX ''. I am not XXXX. They have called sometimes several times a day. At XXXX point I again answered and said I am not the correct person and they asked to speak to my spouse instead. 

They have left voicemails stating the next step is court and I can no longer state that I did not know about this debt. Again, after I have told them I am not the correct person. 

On XX/XX/XXXX I sent them a written message through their online portal ( https : //paymentportal.radiusgs.com/contact-us ) telling them to stop contacting me. I do not have a copy of this because their portal does not send a confirmation response. 

The calls have stopped since then until today, XX/XX/XXXX. Radius Global has called me twice. I have the phone log to show this. I again sent them a message on their online portal, this time video recording my submission which I can provide.

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