vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: DISCOVER BANK
State: NY

Complaint narrative:
I lost my bag which had in it all my credit cards, my ID, my debit cards, and my phone. It has been very much stressful to end up with none of all these, and I have tried my best to restore everything. I was accused of embezzlement as I tried to protest the charges on my credit card which I found out had taken back the money. I seldom make complains and have been careful with use of my card I do not pay my dues late nor miss them altogether. But when I am a real sucker for a fraudster, there is no one left to help me. By virtue of losing my phone as well, which holds passwords for me and all my emails, this particular experience was very worrisome. 

I want this money put back into my account but unfortunately, I am forced to launch a dispute with the organisations such as the CFPB if I want to get justice. When this happened the first time I spoke to the representative and had to ask her if I needed a police report, being as it is a new experience for me to be scammed on this level. I was told no, and now, when trying to obtain one, the precinct says its too late. If this is how the bank deal with such fraud issues, then I do not feel safe with my money with this bank. Below please find the clock rings where I can be proven to be at work during the time of the fraudulent charges, as well as the letter form my manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Adler Wallach & Associates, Inc.
State: NH

Complaint narrative:
AWA Collections has stated I am in collections. This has just appeared on my account. Please help me as I was targeted before by law enforcement, and had a big ordeal of gaslighting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-10-12 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: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> I was denied for a card I didn't apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Bank of America regarding their refusal to reimburse me for unauthorized transactions made using my stolen credit card. On my phone and credit card were stolen. Despite promptly reporting the theft to Bank of America and disputing the unauthorized charges, they have denied my request for reimbursement. 

I believe this is in violation of consumer protection laws, particularly those related to credit card fraud and unauthorized transactions. I have followed all necessary steps, including reporting the theft immediately, but Bank of America has not resolved the issue in my favor. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that Bank of America complies with its legal obligations to protect consumers in cases of fraud. 

Thank you for your time and attention to this matter.

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 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-12 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WV

Complaint narrative:
Fraudulent purchases on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to XXXX in the amount of {$570.00}. I filed a dispute and was denied. Contacted the West Virgina Attorney General 's office, XXXX and other entities to no avail. Chime would not tell me how my complaint was investigated. Also, my account was closed without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Have requested debt validation, original agreement information or any proof of legitimacy from this open accounts from company after discovering them on my credit report as derogatory. No proof supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: MN

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their inaccurate reporting of a balance on my closed account with XXXXXXXX XXXX I have disputed this issue with TransUnion several times, as the ongoing reporting of a balance on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with TransUnion, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
Have requested debt validation, original agreement information or any proof of legitimacy from this open accounts from company after discovering them on my credit report as derogatory. No proof supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX of this year, I became involved in an employment scam with a company out of New York calledXX/XX/XXXX. As a result of this 'employment ', XX/XX/XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( XXXX, Bank of America and XXXX ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to aXX/XX/XXXX store, where it was shipped to XXXX XXXX. After about a month of this type of activity, I told XX/XX/XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XX/XX/XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that XXXX, XXXX, and Bank of America took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into bankruptcy. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is an addendum to Complaint # XXXX. 

I subsequently saw that Equifax had changed my name and address to a XXXX XXXX XXXX XXXX XXXX XXXX Florida. Obviously the " collection account '' is his which resulted in my previous complaint that you guys closed for some reason. I need my credit account corrected, and my credit score restored to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV has reported incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Your Account Document Services Title Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account : XXXX Pending Payments AutoPay Schedule Statements Payment History Payment History Effective Date Transaction Type Balance Amount Transaction Amount Payments Principal Interest Late Fee NSF Other Expense XXXXXX/XX/year> {$25000.00} {$500.00} {$500.00} {$370.00} {$120.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/scrub>XXXX  {$25000.00} {$500.00} {$500.00} {$430.00} {$38.00} {$31.00} {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 3 pymts were made,

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I've requested SCRA state benefits under key provision state Pennsylvania to Navy Federal Credit Union and received an approval letter stating I had several accounts eligible for benefit. I sent in a copy of my XXXX to verify proof of residency and all supporting documents. Then 3 months later was told I was denied even though Pennsylvania KP, 4105 Enforcement of servicemembers Civil Relief Act ; XXXX XXXX XXXX and Reemployment Rights Act state it covers while on XXXX XXXX service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. Shortly after, I noticed a charge for {$16000.00} for a XXXX XXXX on my Chase Sapphire Reserve credit card. I did not make this charge. I reported the fraud and received notice from Chase on XX/XX/year> that there would be an investigation. On XX/XX/year>, I received notice from chase that states that I was responsible for paying the amount. When I called Chase to ask what was going on, I was told that the purchase was made online with my IP address. I never authorized this charge. I have a trip to XXXX coming up but XXXX XXXX XXXX XXXX XXXX XXXX. This merchant is not familiar to me and I believe the information was leaked online as I make online purchases frequently. I also have my credit card information saved on XXXX XXXX which is accessible via my laptop. I have since replaced my credit card. My old credit card has been mailed back to chase for destruction. The Chase representatives I spoke to on XX/XX/year> told me I would receive a phone call to discuss the claim within 4 days. It is now XX/XX/year> and nobody has called me to discuss anything. I pay all my credit card statements on time. My many years with Chase should provide a clear history of the type of reliable consumer I am. I have a consistent income and do not overspend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Multiple fraudulent transaction were attempted on my credit card on XX/XX/year>. Only one ended up going through from a merchant name XXXX XXXX XXXX from XXXX TX. I called on XX/XX/year> to dispute this fraudulent transaction from my account however bank of america refuses to remove the transaction from my credit card after multiple calls discussing the issue. I was told from representatives from the bank that the dispute was closed in the merchants favor and then they proceeded to close the credit card so that I could not appeal the decision. This transaction was not initiated by me and is a fraudulent transaction that should be refunded to me. After numerous calls to bank of america they finally said they would reopen the fraud claim however I still do not have a result after them giving me the run around for weeks of calling. Please help.

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 2024-10-12 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: MS

Complaint narrative:
LNVN Funding LLC Have requested debt validation, original agreement information or any proof of legitimacy from this open accounts from company after discovering them on my credit report as derogatory. No proof supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX and Experian.

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 2024-10-12 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: IL

Complaint narrative:
I am filing a complaint against TransUnion for unauthorized credit inquiries on my credit report. Specifically, the inquiries from XXXX XXXX and XXXX on XX/XX/year>, were not authorized by me. Despite disputing these inquiries directly with TransUnion, they have refused to remove them. 

This action violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) : Requires consumer reporting agencies to investigate disputes regarding the accuracy of information on a consumers credit report, typically within 30 days.

15 U.S.C. 1681b : Defines permissible purposes for accessing consumer credit reports, none of which include unauthorized inquiries.

15 U.S.C. 1681s-2 ( a ) : Obligates furnishers of information ( like TransUnion ) to ensure the accuracy and integrity of the data they provide.

These unauthorized inquiries are adversely affecting my credit score and financial well-being. By refusing to remove these inquiries, TransUnion is not only neglecting its duty under the FCRA to maintain accurate and authorized information but is also infringing upon my consumer rights. 

I request the FTC to investigate this matter and ensure that TransUnion complies with the FCRA by : Removing the unauthorized inquiries from my credit report. 
Implementing measures to prevent future unauthorized inquiries. 
Providing assurance that TransUnion adheres to all relevant provisions of the FCRA to protect consumer rights.

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