vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I called customer service and was supplied incorrect and incomplete information on how to close my account. I was told I could do this online and it now appears I must mail a letter or go in person. No one informed me of this when they were reviewing the account. If an error was made by the representative I should have been contacted. Overall poor service and inaccurate information.

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 2025-01-06 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These account are a result of data Breach and identity theft please remove and block all XXXX XXXX accounts on my Experian credit reporting agency.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of a charge off accounts listed on my consumer report under the accounts XXXX : ACCOUNT NUMBERS XXXX, XXXX, XXXX. I have received a 1099- C form for these accounts indicating that the debt was canceled. according to the Internal Revenue Code ( IRC ) 6050P, A 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge off. Under ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge off is both inaccurate and misleading.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
When my dispute of {$2000.00} was denied I requested documentation as to why it was denied and they sent me this police report that is not even in my name. Man chime is about to get in trouble with CFPB and the OCC. Violating regulation E and some kind of privacy law. I also contacted the police department that is on the police report and might just find out who this person is and tell them I got their information by mistake thanks to chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-06 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: MD

Complaint narrative:
I recently filed a complaint against Experian with you guys on XX/XX/XXXX to remove the inaccurate, incorrect and unverifiable account information as well as negative payment history and some hard inquiries that I do not recognize and that do not have permissible purpose to be on my Fico Consumer credit report in accordance with Fair Credit Reporting Act. Here are a list of the accounts and hard inquiries that must be removed immediately! 

Accounts : XXXX  XXXX account number XXXX opened XX/XX/XXXX with 15 months negative payment history. This inaccurate, incorrect, unverifiable information, and negative payment history on my report must be deleted immediately pursuit to 15 USC 1681b. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with 2 months negative payment history. This inaccurate, incorrect, unverifiable information, and negative payment history on my report must be deleted immediately pursuit to 15 USC 1681b. 

XXXX XXXX account number XXXX opened on XX/XX/XXXX with 13 months of negative payment history. This inaccurate, incorrect, unverifiable information, and negative payment history on my report must be deleted immediately pursuit to 15 USC 1681b. 

Hard inquiries : [ XXXX XXXXXXXX XXXX on XX/XX/XXXX ] I'm not sure what company this is but I do not recognize nor did I authorize this inquiry. This inquiry on my report must be removed immediately pursuit to 15 USC 1681b.

All my rights are protected and preserved under 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime has a My Payroll feature. It offers a limit. Mine is XXXX. I borrow {$500.00} and they pull it from incoming deposits. Chime has ignored my work deposit and refused to credit me my XXXX limit when they should have and only issued XXXX suddenly. I can show proof in my account that they have given me instant XXXX soon as a deposit came in and paid it back. They withheld banking products discriminately and Intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello. This is regarding a dispute case ( XXXX ) filed with XXXX for XXXX credit card ending XXXX. I reported that a watch sold to me on XXXX for {$360.00} on XXXX, listed as brand new, was not in new condition. This mechanical pocket watch had fine scratches on the case, the XXXX  was twisted, and did not start working after winding it up ( it works sometimes on its own and stops ). 

I uploaded the following documents : 1. advertising page showing brand new 2. receipt 3. return request and pictures of the product XXXX. XXXX 's policy stating seller had to provide return label 5. " return complete '' on original receipt with no refund 6. seller 's false email stating they could not provide shipping label for U.S.A. , while XXXX provides tools to sellers to create return shipping labels internationally XXXX post office receipt of return cost of my own, seller 's address page, and address used at post office on the custom form

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I put my social security number in to XXXX and my twin sister information came up and it was all her information and my telephone number and email address. This is very problematic and it has caused me a great hardship and continues to prevent my score from increasing, and gives the impression I had filed bankruptcy and had accts not belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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 writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

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 2025-01-06 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: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2025-01-06 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: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
I called today XX/XX/year>XXXX  to verify my debt and try to resolve it and the person working for AmSher Compassionate Collections immediately asked for my social security number. 
The name of the company is similar but different than the name on my credit report which is where I learned about this debt. The name on my report says I owe money to AMSHER COLLECTION SE This felt like a scam and I was not comfortable sharing my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-07 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
I tried to transfer {$400.00} from my Venmo account to my bank account on XXXXXXXX. I never received the transfer. My bank has no record of the transfer even after i provided a trace number to my bank. When I did this I didn't realize that my account wasn't verified since I use venmo to pay people. I guess when I pay people venmo uses my debit card and not my bank account. I don't understand how venmo can initiate a transfer to a unverified account. Venmo emailed me after I started a dispute that the transfer went through. I wasn't satisfied with how venmo resolved this matter since I never received the transfer. I emailed them again and told venmo that my bank has no record of the transfer. Venmo emailed me back saying the transfer went through. I have my bank statements proving I didn't receive the transfer. I will provide these statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My problem is with Wells Fargo Bank they said that I was overdrawn but they have never paid me any money they always returned it and never paid it.

Now they say that my account was overdrawn by XXXX, which is not true is my Social Security retirement funds of {$450.00}, they were very rude with me and I told I was going to sue them and they said that was fine them.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 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: PA

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, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX EST, I received two emails, one from XXXX and XXXX from XXXX. The Kohl 's email thanked me for joining Kohl 's rewards, something which I did not do, and it had a hyperlink to verify my email and create my online rewards account. I did not click the link. The email also addressed me by a name that's not mine. The Capital One email said that one or more of my phone numbers in my Capital One profile had been updated. That same day, I logged into my Capital One account and saw that my phone number was unchanged. I then called Capital One customer service and they told me that they could not see that I had changed anything with my account. On XX/XX/XXXX, XXXXXXXX XXXX  EST, I receive an email from XXXX telling me that my Kohl 's Rewards Visa card is on the way, and that I should expect the card to arrive in my mailbox by XX/XX/XXXX. I never applied for this card and that email also addressed me by that same, incorrect, name. Moreover, I find three emails sent to me by XXXX with information about my new rewards, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX, as well as XXXX email from XXXX sent on XX/XX/XXXX with similar information. I call Capital One customer service to explain the situation, and they route me to Kohl 's customer service. Kohl 's customer service can not find any account that's opened under my name, even after searching me up by my phone number and SSN. I get routed back to Capital One customer service, and I ask them if they can find any accounts besides the two I had opened in the past, and they can not find any either. I look in the Capital One phone app and I do not see that new account listed. Then, I downloaded and reviewed my credit reports from all three bureaus, but nothing shows up about a new credit card opening under my name. I then proceed to issue a XXXX fraud alert and change my passwords for my Capital One account and email account. Finally, the last part of this CFPB report asks me what the billing address of the credit card is. I marked it as my mailing address because it would not let me submit this report otherwise. I do not know the actual billing address of that card.

Company response to consumer: Closed with non-monetary relief