vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had no knowledge of this account and wish it be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Regarding a missing SSA deposit made On XX/XX/year>. After reporting my missing Benefit payment to SSA, I requested a currey Statement. I was not a current ( one reflecting XX/XX/XXXX payment ) but one dated XXXX XXXX through XX/XX/XXXX XXXX. Again I reported to SSA. Again I requested Chase to furnish a current statement, I was a told a I could not one dated later than XX/XX/XXXX. FINALLY on XX/XX/XXXX, my account summary ( ending in XXXX ) Reflects on XXXX XXXX my SSI Treasury payment was received. ALSO on XX/XX/XXXX my SSA payment shows payment received! I requested another summary the following day XXXX XXXX. Contrary to the previous day the summary shows no payment of SSA being deposited to my account. As of today XX/XX/XXXX, I have not received my SSA Benefit payment. My " Guess '' is my account has been hacked, and Chase won't own up to it. SSA been notified every step of the way. Their position is Chase still has my SSA Benefit payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had no knowledge of this account and wish it be removed

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had no knowledge of this account and wish it be removed

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Here is a list of the unauthorized inquiries : 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 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 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 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I transferred {$1700.00} from my XXXX savings account to my NFCU checking account. I mistakenly chose my NFCU account that had been closed XX/XX/XXXX. I immediately contacted both NFCU and XXXX. NFCU verified that the account had been closed and the {$1700.00} would go right back to XXXX. XXXX assisted in a dispute for me. Unfortunately the {$1700.00} did not go back to my XXXX account. After several calls to XXXX and in person meetings at NFCU, it was discovered that the {$1700.00} was sent to my ex-husband 's NFCU account. I had no association to this account at all. NFCU says XXXX made the mistake and XXXX claims the mistake was made by NFCU. The mistake was definitely not mine. NFCU says they have proof that the {$1700.00} was returned to XXXX, and XXXX sent it to my ex-husband 's account. XXXX sent NFCU an XXXX  stating the {$1700.00} was sent in error. XXXX contacted me XX/XX/XXXX and stated that the XXXX  they sent was a courtesy to me, that NFCU made the mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/year>, a checking account was closed at XXXX XXXX XXXX XXXX, and subsequently charged off, then ultimately reported to CHEXSYSTEMS as a derogatory item in my name, and on a credit report with the company CHEXSYSTEMS. This account is FRAUDULENT and a result of IDENTITY THEFT. I have attached all necessary documents to provide all legally required proof of such statement, and I as the consumer do state that all information in this complaint/dispute is true to the best of my knowledge. Please remove the account from ChexSystems, and halt all attempts to hold me liable for this fraudulent account. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), you have ( 4 ) business days to block the reporting of this information. I demand that such action, under my rights afforded to me by the FAIR CREDIT REPORTING ACT, be taken immediately. I will not let my rights be violated and I will take every necessary action in order to rectify these fraudulent accounts reporting negatively against me, including pursuing litigation if these demands are not met in the allotted time frame. 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to express my ongoing frustration regarding two unauthorized transactions taken from my bank account. Despite my diligent efforts to dispute these transactions on several occasions, my claims continue to be rejected. 

The first transaction occurred in XX/XX/XXXX, where a total of {$3300.00} was withdrawn from my account. The second transaction took place in XX/XX/XXXX, amounting to {$1600.00}. Both transactions were conducted through ATM withdrawals and XXXX XXXX transfers, which I firmly did not authorize. 

During the time these transactions took place, I was in XXXX, and I provided proof of my situation to the bank. This included documentation of XXXX XXXX XXXX and confirmation of my address change. However, the bank 's denial letter claims that either I or someone I authorized made these withdrawals. It is critical to note that the banks policy clearly states that only the cardholder has access to the account, and I have never authorized anyone else to use my card. 

In light of this, I requested a list of authorized users on my account, only to be informed that no such users exist. The bank 's policy explicitly prohibits any additional users, reinforcing my assertion that I did not permit anyone else to access my funds. 

To further support my case, I have filed a report on identitytheft.gov, as well as a police report concerning my stolen California ID. Despite these efforts, the bank continues to deny my claims without adequately addressing the substantial evidence I have provided. I hope for a timely resolution to this matter and would appreciate any assistance in rectifying these unauthorized transactions.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Here is a list of the unauthorized inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry Here are some of the derogatory items on my credit XXXX. XXXX XXXX XXXX Was 120 days late XXXX time ( XXXX ). 
XXXX. XXXX XXXX XXXX, collection account, placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I started using this credit account from PayPal this year in XXXX. They gave me six months of no interest.

However, I noticed they did charge me XXXX dollars of interest in my second month of having an account. I paid {$100.00} roughly {$100.00} a month toward my balance but by the time my six months came around I still had a balance of over {$400.00}. Because of this high balance, I was not able to fully pay it off in one payment so they started to charge me a very high amount of interest. I noticed they also would charge me a late fee if my posted payment was a day late which I called about and they reversed XXXX of them but with the interest and the other late fees, they did not reverse. My balance is {$220.00} of interest and late fees and I owe a total of {$300.00} roughly. So I really only owe them {$79.00} And I can definitely pay that off, the XXXX $ is a very high balance. I asked if they would remove any of the other fees and they some agents said they would not that it was applied just fine. A lot of the customer service people Ive spoken to over chat had a rude sentiment with me. I didnt feel like they were really trying to help me. It sounded more like they were accusing me of not wanting to pay at all and trying to get over on them and just being a bad customer just were very rude. 

I did not have a good experience with the customer service and they refused to help me and wanted to cut off my conversation shirt. I did, however, speak to two agents over chat who offered to take off all of my interest and my late fees so I could pay the balance, and unfortunately, my browser would refresh when they asked me how I could pay and they were asking me to pay through the chat. 
When I tried to reconnect, mysteriously I was given a new agent and that person said they can see that although I was given an interest and late fee refund offer they would refuse and didnt say exactly why. They just said it was not possible. With the other two agents, it was possible so I am very confused. Id like to know exactly why I was offered this with two agents and then never again offered with any other agents. And what that meant exactly that I could pay them through the chat. For some reason, no one knows what or why that was offered to me and can not answer these questions. Or they refuse to answer these questions.

This is very Misleading and a bit deceitful. And predatory in my opinion. I would like to pay off my balance and take the offer that the two agents offered 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
COMES NOW, XXXX XXXX, to provide formal notice regarding the fraudulent debt reported by Transworld Systems XXXX in relation to XXXX XXXX, account number XXXX, which has caused significant damage to my credit score and financial standing. Despite your acknowledgment of my fraud claim, the incorrect information continues to affect my credit profile. 

Your failure to act promptly and remove this erroneous debt violates multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are now in default, and compensation is required as follows : Violations and Laws Applicable : FCRA Section 623 FCRA Section 604 ( A ) ( 3 ) FDCPA Sections 806, 807 ( 8 ), 809 ( b ), and 811 ( a ) ( 2 ) Misrepresentations by Transworld Systems about the debt are actionable regardless of intent. 
Transworld Systems can not be both the purchaser and assignee of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
RE : Cease and Desist Demand Regarding Account # XXXX Dear Sir/Madam, I am writing to formally request that you cease and desist all collection activities regarding the above-referenced account. As it shows a $ XXXX balance on my credit report and is negatively affecting my credit score as of XX/XX/year>. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all communication with me regarding this alleged debt. 

Please be advised that I dispute the validity of the debt you claim I owe. I am requesting no further contact, whether by telephone, mail, or any other form of communication, including calls to my place of employment, home, or to third parties. Any further contact from your agency may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states attorney generals office for violation of the FDCPA. 
Please take notice that I demand the following : 1. Immediate cessation of all communications regarding the collection of the alleged debt.

2. That you inform all third parties or affiliates working on this matter of my request for the cessation of all communications. 

This notice is effective upon your receipt of this letter. I request written confirmation that you have complied with my request within 30 days of the date of this letter. 

Failure to comply with this cease-and-desist request will leave me no choice but to pursue legal action to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On the XXXX XXXX XXXX XXXX around XXXXXXXX XXXX XXXX  XXXX experienced a national wide outage or internet errors, at that time i was transfering my money from my XXXX XXXX  XXXX XXXXhecking account to a linked savings account at an online banking company called SoFi , due to the internet. The money being transfered initially was XXXX, XXXX grands, which is all my balance at XXXX XXXX XXXX checking account, but the XXXX XXXX XXXX system was glitching and the money didnt appear to go through at XX/XX/XXXX around XXXX. However, i didnt know that XXXX XXXX  XXXX was having internet issues so that i did the same money-transfer action again for totally 3 times, 2 times on XX/XX/XXXX and XXXX time on the XXXX, However, after 2 days my XXXX XXXX XXXX XXXXXXXX account was showing a negative balance around XXXX grands. So the actions i did at XXXX XX/XX/XXXX and XXXX were all effective but i didn't know. The XXXX goes to my sofi and it was soon being denied and reversed. Soon my sofi checking and savings account were restricted and Sofi wished me to dial them for more information, which i did, XXXX, in the following 2 weeks. However, all the responses i got was telling me to keep waiting for information, i just contacted with them last night and the telephone operator was telling me that their security team wasn't following up my escalation request that filed 1-2 weeks ago, which was quite frustrating. I had provided every pieces of information they required for potential inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I do not believe the dept reported to my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan of XXXX States in XXXX, that I took out a secured personal loan with them and I have no knowledge of this until I checked my credit report and I disputed the claim and XXXX said that they verified it. I did not take out this loan. I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: FL

Complaint narrative:
I paid XXXX XXXX  in full and first collection services is retaliating against me for paying g the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: NJ

Complaint narrative:
Violation of Privacy Act and Terms and Condition per to 15 usc 6801 reporting to non affiliates. Under the Privacy act of 1974 and 15 usc 6802 to 15 USC 6805,16 CFR 313.1 and 16 CFR 313.7 f i choose to opt out of all and any written and unwritten verbal and non verbal Authorization as a federal protected consumer per the CFPB.

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