vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
I had unauthorized transactions that I disputed with my bank and the bank denied the claims. The transactions were all from the same merchant that I have never heard of. The bank asked for proof but I dont know how to even find that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled a copy of my credit report on XXXX, Experian and XXXX and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-05-17 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: UT

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not belong to 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I booked a stay with XXXX XXXX XXXX XXXX through Capital One. I also booked a stay through XXXX directly for the same period. 
I received an email shortly after from XXXX, saying that my booking through capital one had been cancelled. I immediately reached out to capital one who assured me my booking was still active. 

A few days ago I reached out to the hotel, to check and they do not see my reservation. 

Ive spent 2 hours on the phone with capital one trying to resolve the matter. They offered me a refund at first, then claimed they would only refund me if the hotel refunded them. 

They then lied and told me my own confirmation number ( the booking made directly with XXXX ) was theirs. It isnt. Its on my XXXX XXXX directly with the hotel. The hotel can confirm that it is a first party booking. 

I never requested a cancellation of this room. I contacted capital one and they assured me my room was available. They lied to me multiple times and refused to refund me. The idea that my refund is predicated on capital ones refund is absurd. They messed up and need to take responsibility. 

Ive attached a claim from capital one claiming my booking is valid. This email was sent 3 days ago. The hotel cancelled my reservation 4 months ago and does not have this confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled a copy of my credit report on XXXX, XXXX and TransUnion and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-17 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: CA

Complaint narrative:
I pulled a copy of my credit report on Equifax, XXXX and XXXX and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/year>. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
. I sent a certified letter to LVNV FUNDINGT on XX/XX/year>, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/year> I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: WI

Complaint narrative:
RECEIVE A COPY OF MY CREDIT REPORT AN NOTICE 2 INQUIRIES ( XXXX XXXX XXXX XXXX ) XXXX XXXX ) THAT WAS NOT AURTHORIZE BY 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed things off my credit reports they did not remove them so now I want to file civil liability for willing compliance 15 US CODE 1681n.

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 2024-05-17 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
My credit Card for CitiBank N.A. acct # XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXXXXXX due to me filing Bankruptcy XXXX I have requested Statements for XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and both companies will not help with request.

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
The debt collectors are from Aldous & Associates, and they're contacting me about a membership that my girlfriend and I once held. I had canceled our memberships, but due to a misunderstanding at the front desk, only mine was processed. As a result, her account incurred late payments, which eventually led to it being turned over to collections. Since then, Aldous & Associates have been contacting me nonstop to settle the outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MO

Complaint narrative:
contacting me about a debt that is not validated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law XXXX XXXX Code XXXX ( XXXX ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2024-05-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally report a concerning incident that took place during a phone call with Chime Bank, which involved inappropriate conduct by two employees and a highly unethical suggestion of committing check fraud. 

On XX/XX/XXXX at XXXX XXXX, I called the customer service line. During this call, I encountered two employees whose behavior was not only rude but also highly unprofessional. 

The details of the incident are as follows : Rude Conduct by Employee " XXXX '' : The first employee I spoke with identified himself as " XXXX ''. When I expressed that he was being very rude and asked to speak with someone else, he yelled at me and refused my request, stating, " You can hang up and call back but I am not connecting you to someone else. '' When I asked for his full name and how to spell it, he sarcastically responded, " XXXX, you never heard of the letter XXXX before? '' Dismissive Behavior and Suggestion of Check Fraud by XXXX XXXX : Due to the unprofessional conduct of " XXXX '' and being hung up on. I was connected with XXXX. I explained my situation, stating that I was not informed it would take my check five business days to clear and requested that they cancel the deposit or release my funds. XXXX responded dismissively and suggested that I " take my checks and deposit them at another bank while I wait. '' Shocked by this suggestion, I asked if he was telling me to commit check fraud, to which he paused and said, " I don't think so. '' Due to the rudeness and illegal suggestion, I started laughing in disbelief, to which XXXX angrily asked, " Why are you laughing? '' I explained that I was shocked he told me to do something illegal. He then snapped, " You can either wait XXXX business days or you can deposit the money at another bank while you wait, but we wont be cancelling your check or giving you the money today. '' I am a long-standing customer of Chime bank, and I expect to be treated with respect and integrity. The behavior I experienced is entirely unacceptable and undermines my trust in their institution. 

I request the following actions be taken : A thorough investigation into the incident and identification of the employees involved. 
Appropriate disciplinary action against the employees for their conduct. 
Assurance that such incidents will not occur in the future, along with measures to prevent similar occurrences. 
A formal apology from the bank for the distress and inconvenience caused by this incident. 
Please acknowledge receipt of this complaint and inform me of the steps that will be taken to address this matter. I look forward to your prompt response and resolution. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MO

Complaint narrative:
I sent a certified letter to CREDIT CONTROL on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a purchase from a restaurant, I did not have any purchasing relationship with them, I made the dispute in XX/XX/2023 and Macy 's took 3 months to make the dispute and they continue to charge me for this purchase and the interest, after those 3 months they have no information They closed the claim and today I opened this claim again and they say that I must wait 3 months again, I have never bought anything in this restaurant XXXXXXXX XXXX XXXX XXXX XXXX XXXX macys XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Holding a deposit for 5 business days is enriching the bank. They have the funds in 24 hours and are sitting on it and are making at least Fed funds at 5.25 % They should pay interest on the use of the funds if they are worried about fraud. 

Why 5 days instead of 2 days versus 30 days seems random and in the banks favor. 

They have held my $ XXXX deposit from my moms estate for 5 days. Seems excessive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX I accessed my Experian credit report thru XXXXXXXX XXXX XXXX website. Because my report has inaccuracies, I repeatedly contacted Experian but none of their phone numbers lead to a LIVE person, none of the numbers contain a variety of options AND Experian doesn't respond to emails. I'm literally " blocked '' from accessing my longtime online account. 
I'm just trying to Login and Dispute some 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 explanation
Consumer complaint received 2024-05-17 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: AZ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief