vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year> my car was repossessed. It was taken from my secure gated parking garage. I confirmed that my property manager never have permission or access to the driver to remove my car from where it was parked inside this secured garage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

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 2024-11-25 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received phone cal XXXX  from Chase Bank regarding a credit card I opened online 10 days ago. I told them I did not have a Chase card nor applied for one. She said she would close account. Then said my social security number was red flagged. Stating my number was compromised. She then switched me to a another guy that read me my social security number, 5 different card accounts out numbers. He went on to tell me XXXX  was changing me to much interest. I I could settle the amounts for a lot less.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Block, Inc.
State: NY

Complaint narrative:
I was charged XXXX dollars from XXXX  for their subscription. I did not sign up for that subscription and didnt give permission for that amount to be taken from me. Cash app pay is what my account was connected to. This basically allows merchants to take money from my account on cashapp even though I took the opportunity to secure my account by locking my card. I had my card locked and on XX/XX/24 I was charged XXXX  dollars. Both XXXX  and Cashapp have denied refunds for this situation and I refuse to let my money be wasted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/2024 Eastern Account Sytem I XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Information Under 15 U.S.C. 1681 Dear Eastern Account System I, I am writing to formally dispute the accuracy of the information furnished to you regarding my credit file. According to 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.I want to bring to your attention that I have never provided written consent for my information to be furnished to you or for you to obtain my information. This lack of consent raises serious concerns about the validity of the data reported and your compliance with the Fair Credit Reporting Act ( FCRA ) .Please consider this letter as my formal request for you to investigate this matter. I request that you provide me with documentation that confirms my consent for the reporting of my information. If you are unable to furnish such evidence, I ask that you promptly remove the disputed information from my credit report. I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA.Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MD

Complaint narrative:
On XXXX XXXX I was at XXXX XXXX ATM at approximately/or around XXXX trying to make and withdrawal from my Bank of America account for {$100.00} I was denied... I tried again for an second time but denied twice and was charged an additional {$8.00} per transaction. so then I tried to make an transfer of {$100.00} to my XXXX XXXX account from my bank of America account, but once I tried to use my XXXX XXXX card in the ATM I was denied ... at that time I tried to transfer {$200.00} to my XXXX XXXX card from my bank of America account .but I gotten the same results denied ... .so I went home.. on XXXX at around XXXX I called customer service and explained everything that happen in addition I didn't get my direct deposit alert or my funds from my direct deposit.. 

As I talked to the agent she explains how she see what's going on.. I was told my direct deposit is in processing and the funds will be in my account in the morning by XXXX XXXX. and as for the ATM withdrawals, she could see where all the transactions were debited from my available balance ... { while it were in processing } but unfortunately them funds wont be refunded until 2 to 5 days due to it was an ATM transactions........ but neither refund has happen up to todays date... on the XXXX of XXXX my whole transactions history was change everything that showed the deductions from my available balance was changed to XXXX for all the transactions from XXXX to XXXX and they even put my direct deposit in my transactions history but my available balance never moved up... .. { see the transactions history showed how the ATM withdrawals showed my funds being debited from my available balance on the XXXX and XXXX } after talking to the agent on the XXXX at XXXX everything change but not corrected ... ..just modified ..... 

I've talked to at least 5 different specialist and no agent has assisted me with an resolution .... it took me at least an month to get an escalations personelle email... 
once I've emailed her she basically told me I'm not getting my funds and she will let her agents what to say for future events.. so I was like so what about my funds, she laughed at me... really and said for the future I should write down an ledger so ill know how much is in my account... so I did let her know that was not good advice because that is not creditable and why would she tell me that as a customer.

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 2024-11-25 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:
I am writing to formally request the immediate blocking and deletion of fraudulent credit inquiries listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized inquiries removed. 
The inquiries in question are as follows : Inquiries : XXXX. XXXX  - Date : XX/XX/year> XXXX. XXXX  - Date : XX/XX/year> XXXX. XXXX  - Date : XX/XX/year> XXXX. XXXX - Date : XX/XX/year>

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 2024-11-25 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: MS

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-11-25 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: MS

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. I kindly request the prompt removal of the unauthorized accounts from my credit report. I did not open or authorize these accounts, and their origins are unknown to me. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are enclosed for your review and reference.

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 2024-11-25 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute an inaccurate account being reported on my credit file by Equifax. Specifically, Equifax is reporting a XXXX XXXX XXXX XXXX account under my name that I have no knowledge of and has never belonged to me. 

I believe this issue may be linked to the Equifax data breach, as I have no association with this account and suspect it is a case of identity theft or erroneous reporting. I kindly request that this account be blocked and permanently removed from my credit report to prevent any further damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am writing to formally submit a complaint against Banco Popular de Puerto Rico concerning their actions ( or lack thereof ) due to their inadequate response to my concerns related to account number [ XXXX ]. Despite multiples attempts to resolve this matter have been met with persistent non-responsiveness, or lack thereof as I have encounter significant challenges by their staff and executives, which I believe raises significant concerns regarding compliance with consumer protection laws and regulations. Whereas these events for lack of adequate communication have not only caused frustration but also impacted on my financial planning and most of all my peace of mind but not limited to my family. 
XXXX. Description of the Issue : On these days [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ], I made multiple attempts to communicate with the executives of Banco Popular, XXXX XXXX XXXX and XXXX XXXX XXXX. Specifically, my attempts included : XX/XX/year> : Sent a notice via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX  XXXX ) which was received by the institution on XX/XX/year>. 
XX/XX/year> : Follow-up notice via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX  XXXX ) received on XX/XX/year>. 
XX/XX/year> : Email sent to XXXX regarding my powers of attorney. 
XX/XX/year> : Notice of breach of trust sent via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), was received by the institution and returned to sender. 
XX/XX/year> : I sent the second NOTICE to the XXXX XXXX XXXX via Certified & Registered mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, and received by the institution on XX/XX/year>, XXXX XXXX, as verifiable by USPS. 
XX/XX/year> : Certificate of non-response communicated via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), received on XX/XX/year>. 
XX/XX/year> : Last notification sent via email ( XXXX ) which has also gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
I have contacted all three credit bureaus by notarized certified receipt mail requesting that the XXXX # XXXX account be removed, as well as the XXXX XXXX  account # XXXX, from my credit report being that they are not my accounts. Both of the accounts are in good standing but neither of the accounts are mine and I would like for my credit report at maximum accuracy. 

My Equifax credit report is showing that the XXXX account is 9 years and 7 months old, and the XXXX XXXX  account is 30 years and 7 months old. I have been a victim of identity theft on the XXXX web and that information is reflected across all three credit reporting websites. I have also had my personal information compromised across all three credit reporting agencies due their data breaches. The information does not reflect my credit use or history, and I am absolutely pleading with your company to have the information corrected and removed from my credit report immediately. I would greatly appreciate your help because it has been more than two years and I'm still very eager to have these items removed. Please, and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ).

I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ).

I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
The credit reporting agencies are allowing XXXX XXXX XXXX to report 2 fraudulent items to my credit report that doesnt belong to me.

Item 1 : Credit Card {$1000.00} XX/XX/XXXX Item 2 : Auto Loan {$13.00} XX/XX/XXXX Ive been XXXX  during these years and many more

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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX you guys have been trying to collect a debt that was obtained fraudulently. I have never resided at this property. I have provided proof of me residing in a completely different unit during this time. I have not nor have I ever resided, lived, visited, applied to this apartment complex. This is IDENTIY THEFT. Please remove off my credit or this will be taken a step further, and legal action will be taken. I have attached a lease during the duration they claimed I lived at this apartment, my ID, as well as a fraud affidavit. Please remove this. This complex has no proof that I signed anything, showed up with my ID, provided proof of anything. Remove this off my credit as this is hendering me from moving anywhere, and it's unfair. Once again, legal action will be taken if this isn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX I was pre-approved for the Kohl 's Rewards XXXX  credit card and I decide to get it because of the 40 % coupon. 

After being approved, the 40 % off coupon would not work. I made a purchase using the 15 %. 

XXXX I try using the 40 % discount on an order and receive a cancelled order email. I call the customer service number and get transferred a couple times. I am told I just I have to add everything back in the cart and repurchase everything again. 

2nd order gets cancelled. I call again and am given Capital One customer service number XXXX. I am then transferred to someone who tells me I need to call XXXX, which was the number I called to get to her. 

I then request to be transferred and they mention a U.S. representative and I said yes. I spoke to an agent, who was extremely helpful and realized it was the 40 % discount flagging my purchase order. She gives me a new coupon to use Now I go to checkout on the Kohl 's website with the new 40 % coupon and it's asking for the CVV to the credit card. Which I don't have yet, because I don't have the physical card. 

I am extremely disappointed in the technology and regretting getting the store card if it can not be used right away on the website.

Company response to consumer: Closed with explanation