vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. 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 a

ll the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : 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 XXXXXX/XX/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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Ive had Navy federal credit union for a few years now where I have thousands of funds coming in and out of my account. Im opted into oops and Ive been charged several overdraft fees where Ive had to pay several overdraft fees for each transaction. Im not sure how to go about this matter. Ive always thought it was excessive but just couldnt afford to not use the option sometimes before payday. Hopefully I can get some of those funds back being its truly needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: LA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found out that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: OH

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the XXXX insurance company still has not even paid the loan company the amount of my XXXX insurance. Also, I never authorized for a first financial credit line account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either. 
XXXX AND XXXX REMOVED THESE ACCOUNTS, BUT STILL DECIDED TO ADD THEM BACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX XXXX, I discovered a fraudulent account opened in my name while reviewing my credit report. I immediately froze my credit with all three credit bureaus and contacted Capital One on XX/XX/XXXX. They acknowledged that the account was opened using a phone number and address that did not belong to me and assured me they had closed it. However, I never received any written confirmation of this closure. 

Despite the account closure, my credit score was initially restored. However, on XX/XX/XXXX, I encountered further issues while attempting to create an online Capital One account for my recently transferred Kohl 's card. I had acquired the Kohl 's card on XX/XX/XXXX, and it was transferred to Capital One on XX/XX/XXXX. 
Upon trying to sign in to the Capital One online account, I discovered that an account already existed under my name. The system accepted my Social Security number and date of birth, allowing me to add my phone number to recover the account. I was unaware of this existing account and its associated username. 

It was at this point that I discovered the fraudulent Capital One XXXX card was still open with a pending balance. Additionally, two bank accounts that did not belong to me were linked to the account. I have never had an account with " XXXX XXXX, '' one of the banks listed. 

The fraudulent account was opened using the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is a commercial address, not a residential address, and it further indicates the fraudulent nature of the account. 

Given that Capital One had access to my correct contact information due to the Kohl 's card transfer, it is perplexing that they allowed the fraudulent account to be opened. This raises concerns about a potential data breach at Capital One or internal misconduct. 

On XX/XX/XXXX, I noticed a decline in my credit score. When I contacted Capital One, a supervisor named XXXX ( employee ID : XXXX ) threatened me with financial consequences if I did not pay the fraudulent charges. He refused to provide any further information or explanation regarding their investigation. 

I request a thorough investigation into this matter and appropriate action to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX hotels in XXXX illegally took off almost {$10000.00} off my credit card without my approval. I contacted Chase Bank Fraud division / overseas and told them I did not agree to any of the junk fees, aka {$1200.00} for housekeeping, overcharged approx {$100.00} a week, and more. I told them I had all the proof I never approved them to take off any of it from my credit card. The overseas call center fraud division sounded like he was from XXXX, he thought it was funny, and wouldn't take my evidence. The Hotels are known for stealing money from guests card. They have guests, like me, sign-in on a computer so they have your / guests signature then they can attach any fake invoice to the signature and charge. 
Chase Bank refused to reimburse me and told me I had to pay all of it + fees and interest. 
I'd never been late w/ any payments to my credit card and my credit score was XXXX or more. Chase Bank kept charging false fees and interest on the money the hotels stole. Chase Bank kept telling me I had to pay all of it or they do a " charge out '' ... I told them I would not pay for what I never approved, it was stolen off my card. 
Last week I went into Chase Bank and asked for a copy of my statements, since I had closed out my Chase Bank account when they kept harassing me. 
Come to find out the hotels refunded most of the false fees and CHASE BANK NEVER TOLD ME AND IS STILL CHARGING ME OVER APPROX {$9000.00} and still adding fees and interest on money that was stolen then refunded onto my acct. 
I've asked CHASE BANK to reimburse me the {$10000.00} that's it cost and to correct my credit score that they ruined, or I will file a lawsuit. I've tried calling JPMORGAN Corporate office... .it to is an overseas call center in the XXXX  and they had no idea what I was talking about. 
I've gone into Chase Bank to see if they could help me... they were nice but said " Corporate has to do it. ''?? 
I'd like the {$10000.00} reimbursed to me asap and my credit score back to the XXXX it was before Chase Bank ruined it. 
CHASE BANK IS KNOWN FOR DOING THIS TO THEIR CUSTOMERS. XXXX XXXX HAD A STORY ABOUT CHASE ALWAYS SCAMMING THEIR CUSTOMERS AND NOT REIMBURSING THEM AND CHARGING THE CUSTOMER EVEN MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXin litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXXin litigation XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXXin litigation After speaking with the IRS, they stated that all charged off accounts over XXXX is canceled debt and ordinary income as these companies filed these on their taxes so why is it on my credit report I shall receive a 1099c from these companies regardless. They cant file these as charge offs and report debt at the same time this is illegal These inaccuracies shall not be on my credit report as debt. My rights are being violated per! 5 USC 1681e ( d ), violation of US Cide 1681, Violation of Us Code 1681 I ( 5 ) ,15 USC 1692 G Please delete these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent account.

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 2024-11-11 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. 

You must block and delete these fraudulent accounts from my consumer report within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Reached out about in accurate information on account was told to call credit bureau

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I am disputing the inaccurate repossession remark on my credit report and am requesting its removal. The information provided does not accurately represent the details of this account. Attached is documentation supporting my claim that this repossession remark is erroneous. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure the accuracy of all information on my credit report. By keeping this inaccurate repossession information on my report, your agency is not fulfilling its legal duty. I request that you remove this repossession remark promptly to maintain the accuracy and integrity of my credit rep
ort.

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 2024-11-11 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: TX

Complaint narrative:
I am disputing the inaccurate repossession remark on my credit report and am requesting its removal. The information provided does not accurately represent the details of this account. Attached is documentation supporting my claim that this repossession remark is erroneous.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure the accuracy of all information on my credit report. By keeping this inaccurate repossession information on my report, your agency is not fulfilling its legal duty. I request that you remove this repossession remark promptly to maintain the accuracy and integrity of 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 explanation
Consumer complaint received 2024-11-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX My Phone Was Stolen I Filed A Police Report. On XXXX {$2500.00} Was Sent Out Of My Account Using XXXX XXXX & On XXXX Another {$2500.00} Wass Sent Using XXXX XXXX I Disputed With XXXX & They Closed My Claim Saying I Authorized & They Never Asked For My Police Report Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} INQUIRIES : 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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I asked for verification of debt. I was only provided with an update with a letter with the amount and account number. I went online to confirm or pay the amount, and the message stated that there isn't a balance. I provided my account number and verified my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am writing to inform you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX. XXXX XXXX XXXX XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} In addition, I am requesting the deletion of the following unauthorized credit inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
XX/XX/year> I tried to open a CD with XXXX XXXX, Associated Bank XXXX XXXX XXXX Wisconsin. She was not familiar with how to open a CD and needed to call for help from a bank help line. Some days later I received a call and later a letter saying that I could not open the IRA CD so I believe I called the bank. I found the banker had limited knowledge or information and was no help, all she could say ( over and over ) was call your accountant. No other options were made available to me. I felt uncomfortable with her lack of knowledge after 1 or 2 calls because every call circled around that I needed to contact my accountant due to the bank error. I believe after a few calls I asked the call be accelerated ( because I needed help and I was never going to get it from her ). Note I requested accerlation at least 3 times, maybe 4. Rather than have a senior banker call me ( which should have happened ), a non banker named XXXX called me ( complaint dep ). Initially she appeared to be understanding and sympathetic but she was not, at one point we had a screaming match which resulted in her sounding threatening ( there were numerous phone calls ) - my trust in this bank ZERO. Eventually, the bank acknowledged the error was on their end and upon MY request said they would pay for me to contact my accountant. I was given instruction by my accountant and recontacted the bank. When I went in to sign the new CD paperwork the bank president shows up ( no, I was not informed ahead of time ) and he apologized for the bank error. I told him a little what all went on but I had not been prepared, otherwise I would have been ( like now ). My question is where was he during these weeks and weeks of phone calls. How come he or another senior banker didnt step in? XXXX XXXX allegedly was reprimanded ( was she? ) - my thought she either needs more training or a different job. I was treated horribly by Associated Bank on XXXX XXXX XXXX XXXX XXXX Wisconsin. The bank is eager to let you know all calls are recorded so all I write should be retrievable. This writing is to the best of my memory, it is now XXXX and this situation began in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the last two years, my account has been subject to a {$1.00} monthly fee by HSA Bank. I never signed any document authorizing such a fee or was given a notice of such fee. After noticing the fee, I called HSA Bank, and they told me the fee is for paper copies of statements. However, I verified with them that I did not receive and have never received paper statements. After confirming their mistake, they offered to waive 6 months of the fees, but I still haven't received ANY refunds. It is unfair and fraudulent to deduct money from my account without being able to explain why money is being deducted.

Company response to consumer: Closed with monetary relief