vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX  XXXX : Inconsistent balances reported ( {$15000.00}, {$14000.00}, {$14000.00} ) across bureaus. 
CAPITAL ONE : Payment status discrepancies ( " Charge-off '' vs. " Paid in full '' ). 
XXXX XXXX : Missing data on XXXX and XXXX while XXXX provides complete data. 
XXXX  : Significant inconsistencies in account type, status, and dates reported across bureaus. 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for review.

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

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Employer : My current employer is XXXX. I request that my current employer be updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these 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

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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Subject : Unauthorized Monthly Fees Charged to My Business Account Complaint Details : In late XXXX or early XXXX, I opened a Chase business account that incurred a XXXX XXXX monthly service fee. A few months later, I decided I might not need the account and went to a Chase branch intending to close it. A Chase teller informed me that if I deposited {$2000.00} and left it in the account, the monthly service fees would stop. The teller guaranteed this information, so I deposited the {$2000.00} as advised. 

I trusted this guidance, checked once shortly after XX/XX/XXXX to confirm no fees were withdrawn, and left the account untouched. I did not use the account at all, and there was no further movement. 

Today, XX/XX/XXXX, I decided to close the account and retrieve my {$2000.00}. To my shock, only {$1600.00} remained. After discussing the issue with the branch manager, I was refunded {$100.00}, but I am still missing {$220.00}. I feel this is unfair and deceptive, as I relied on the information provided by Chase staff in good faith.

Additionally, I never received email statements about this account, even though I regularly receive updates for my other Chase accounts ( such as a credit card ). Since my Chase app was logged into my other account, I had no visibility into the fees being charged.

This situation has caused me financial loss and unnecessary stress. I deposited the {$2000.00} based on the assurance that no fees would be charged, yet fees continued to accrue without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-12-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX  XXXX, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: AR

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had three unauthorized transactions with Venmo for a total of {$110.00}. they were without a doubt, not mine. I disputed the transactions and they denied the claims. I spoke with an Venmo agent on a online chat and they said there was nothing else they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I dont know whats going onthis morning, I found inaccurate accounts on my credit report, and it makes no sense. I always check my report regularly, and Ive never had this issue before. I even tried refreshing the page to see if it was just a glitch, but the accounts were still there. Im begging for someone to carefully review the documents I provided so I can stop worrying about this nightmare.

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 2024-12-10 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: IL

Complaint narrative:
I am filing a complaint against Bank of America regarding XXXX credit card transactions I have disputed but have not received a response or resolution. I submitted a dispute letter via fax to the Credit Card Dispute Department on XX/XX/2024, detailing the issues with the following transactions : a canceled restaurant reservation charge, a canceled order that was shipped anyway, a defective product with difficulty returning, a returned product with no refund issued, and a product I never received and suspect was stolen. Unfortunately, Bank of America 's online dispute system did not allow me to initiate these disputes due to technical issues, so I resorted to submitting the dispute letter directly. Despite several days passing, I have yet to receive any acknowledgment or action from the bank. As a result, I am seeking assistance through the CFPB to ensure these disputes are addressed and that the appropriate credits are applied to my 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 monetary relief
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Under USC 1681g, I request their removal within 15 days. Attached are the relevant documents 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
I went through Freedom Debt relief to help resolve compiling debt. Initially, things were going as they said they would. but a few months into working with them and paying everything on time, I was offered an " accelerated '' loan, which seemed like a prefered outcome according to FDR. I was rushed through the loan process, given strange answers about the loan amount, and I can't review the documents to double check the interest rate that was set. FDR had the total settlments at around $ XXXX, and my loan amount is over $ XXXX. When I asked about the loan amount, I was told that they were over borrowing to cover everything just in case. That didn't quite make sense to me at the time, but I'm obviously not a financial person. All I wanted from achieve was clarification on the loan terms, to show me where the funds went, and all documents pertaining to the loan. I sent a casual email asking questions, then going forward profesionally worded emails asking for the previously stated documents. FDR hasn't been a help, as they state that they have nothing to do with the loan, despite being in close assossiation with Achieve loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Are XXXX credit companies are showing incorrect address information on my credit profile All have multiple address listed Only address that should be on file is XXXX XXXX XXXX, XXXX al 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Are XXXX credit companies are showing incorrect address information on my credit profile All have multiple address listed Only address that should be on file is XXXX XXXX XXXX, XXXX al 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 2024-12-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Lakeview Law Group, PLLC
State: IL

Complaint narrative:
In XXXX of 2019 we started working with this company to reduce debt. Our total debt was {$38000.00}. We were to pay {$540.00} a month for XXXX months. The estimated settlement was to be {$15000.00} with estimated total savings of {$11000.00}. They did not work with the creditors ; 3 times we were served by the sheriff 's office to appear in court. Causing me to have to take off work. When this nightmare is over, we will have paid them a total of {$41000.00}. That is {$3600.00} more than if we had worked with the creditors ourselves without any savings. Plus, the extra 28 months over the time they said they could fix our debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-11 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the inaccuracies and violations found in my credit report, as well as to demand corrective actions and compensation for the listed violations of the Fair Credit Reporting Act ( FCRA ). Below, I provide a detailed account of the issues identified, along with my requests for resolution. 

XXXX. Inaccuracies in Reported Accounts BEST BUY/CBNA ( Account Number : XXXX ) Discrepancy in payment history : A XXXX late payment entry has been erroneously recorded. Violation Amount : {$1000.00} XXXX XXXX ( Account Number : XXXX ) Incorrect reporting of a closed account with a charge-off status. The balance shows {$0.00}, yet the dispute remains unresolved. Violation Amount : {$1000.00} XXXX XXXXXXXX ( Account Number : XXXX ) Inconsistent reporting : The account is reported positively to XXXX credit bureaus but negatively to XXXX, creating an inaccurate and misleading credit profile. This inconsistency violates FCRA guidelines requiring accurate and uniform reporting across all bureaus. Violation Amount : {$1000.00} XXXX. Legal Violations BEST BUY/CBNA : Failure to remove disputed late payment entry, violating FCRA provisions . 

XXXX XXXX  : Incorrect charge-off reporting in violation of FCRA 611. 

XXXX  XXXX : Inconsistent reporting to credit bureaus, violating the FCRAs accuracy standards. 

3. Compensation Request I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : {$1000.00} ( statutory amount ).

Total violations : 3 Total compensation requested : {$3000.00}.

4. Resolution Demanded I respectfully request the following actions : Immediate deletion of all inaccurate information listed above from my credit report.

Payment of {$3000.00} as compensation for the violations. 

Supporting Documentation I have attached a copy of my credit report highlighting the inaccuracies and violations for your review. 

Closing Please address this matter promptly, as these inaccuracies and violations are causing undue harm to my financial standing. If the issues are not resolved within 30 days of receiving this letter, I will consider further legal actions to protect my rights. 

Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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