vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-18 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: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sensible Auto Lending, LLC
State: NC

Complaint narrative:
i had a XXXX XXXX in XXXX XXXX XXXX i was place in a XXXX i offer to pay something to keep the loan update to pay until i return back to work matter fact i paid the car note for 3 month until i got done with XXXX i ask them to sent me a 1099 E because the account is showing up on my comsumer report i just want this company to give a 1099 form because it shows ( profit and loss )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: CA

Complaint narrative:
On XX/XX/2023, I opened a credit card fraud claim with Bank of America after I noticed 2 unauthorized transactions on my credit card on XX/XX/XXXX : {$200.00} and {$12.00}. 

On XX/XX/2023, Bank of America rejected my fraud claim stating that my physical card was used for the transaction, indicating " you or someone you allowed to use your card was present ''. I explained that I was a victim of a fraudulent taxi scam in another country I was traveling in and was used unlawfully. My card was " rejected '' by the driver so I was told to pay in cash. Only to find out that my card was skimmed. I discovered that 2 unauthorized transactions were made to my credit card as a result of this situation.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE XXXX, CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX  CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: PA

Complaint narrative:
I hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with 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 non-monetary relief
Consumer complaint received 2023-10-18 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: PA

Complaint narrative:
I hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I went into my local JP Morgan Chase Bank in XXXX AZ on XX/XX/XXXX and filed a Sales Purchase Agreement per the contract and had my personal banker transfer XXXX to another Chase Account of the " fiduciary '' on the contract. I spent several months trying to finalize the transaction which ended up being a complete fraudulent scheme which provide forged international documents, false banking wires, and false contact information. I called Chase Bank in XXXX of XXXX and was told someone would contact me to help resolve the matter. I never heard back from them, I attempted to call the corporate numbers and spoke to someone in fraud but they advised me that it was not fraud and a " very fine line '' between scams and fraud and they had to get another department to help me then I'd be put on hold for a minimum of XXXX minutes before I had to hang up and I've sat on hold for over an hour on XXXX separate occasions with nobody ever picking up the call. Today I made another attempt and was placed on perma hold again. I want to file a complaint against JP Morgan Chase for avoiding my claim and in helping me to try to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Hello, I am the victim of the identity thef. The thief used my social security number to rent the apartment at XXXX XXXX under XXXX XXXX. First of all, this XXXX is not my name on my SS # So how come they link my ss # with a different name and they don't do background check? This is not my fault in anyway at the beginning, but now I am the one to go back and prove I am not the one live there since the apartment manager didn't do throughoutly background check with name don't match with SS #?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. XXXX USC 8 and 15 USC 1681 2 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-18 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of a recent issue with Chime, a banking institution. The situation involves Chime 's failure to provide clear information about a rejected check, their refusal to release the remaining checks, and their lack of proper customer service assistance. 

The sequence of events is as follows : Rejection of a Check : I deposited multiple checks into my Chime account, which were issued by the State of California as back pay from XXXX. Among these checks, XXXX was inexplicably rejected. 

Lack of Transparency : Despite repeated attempts to seek clarification, Chime has not provided any clear information about why XXXX of the checks was rejected. This lack of transparency has left me in a state of confusion and concern. 

Refusal to Release Remaining Funds : Additionally, Chime has failed to release the remaining checks for deposit. As a result, a significant sum of my funds remains inaccessible. 

Inadequate Customer Service : Chime 's customer service, specifically the lack of telephone support and the insistence on communicating only via email, has hindered the resolution of this matter. The lack of direct communication has exacerbated my frustration and made it exceedingly difficult to address the issue effectively. 

I firmly believe that, as a banking institution entrusted with the financial well-being of its customers, Chime has a responsibility to provide transparent, efficient, and reliable services. The failure to do so in this instance not only places my financial security at risk but also raises concerns about Chime 's overall commitment to customer satisfaction. 

I have attempted to resolve this matter directly with Chime, as any responsible customer would, but the lack of proper communication and failure to address my concerns leaves me with no alternative but to seek assistance from the CFPB. 

I kindly request that the CFPB investigates this matter thoroughly and intervenes to ensure that Chime provides clear information about the rejected check, releases the remaining funds, and improves its customer service standards to better serve its customers. 

I appreciate your attention to this complaint and trust that the CFPB will take appropriate actions to address this issue and prevent similar situations in the future. 

Thank you for your prompt consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have an RV loan with Bank of the West, which was recently acquired by BMO. As part of the acquisition, communications were sent to customers that stated that automatic ACH withdrawals for loan payments will need to be set up again on the new BMO portal. 

After I followed these instructions, Bank of the West / BMO withdrew two monthly payments several days apart - one as part of the new automatic transfer that I set up following their instructions, and one as part of the existing authorization that remained effective, unbeknownst to me.

I contacted BMO who stated that they would refund one of the payments by mailing me a check. It has now been almost a month and I haven't received the refund, and my loan still shows the same balance on the web portal. 

The incorrect instructions remain posted on their website.

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 2023-10-19 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: MD

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: OR

Complaint narrative:
I do not recognize this derogatory account listed on my credit report. 

This account was paid in full with XXXX XXXX and I would like it removed immediately. 

All dates are on the screenshot submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NE

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
I purchased a mirror and other items from XXXX XXXX in XX/XX/2023. The mirror was to be delivered by freight and I paid for shipping through XXXX XXXX ( {$55.00} ), and did not agree to pay any additional shipping that XXXX XXXX arranged ( nor was I asked to ). I was never contacted by XXXX XXXX or XXXX XXXX and never ( i ) entered into any agreement with them, ( ii ) agreed to pay any amounts to them, or ( iii ) requested or contracted with them for shipping services. It is apparent that XXXX XXXX did to arrange for shipping of the mirror I purchased ( for which I paid XXXX XXXX shipping ), and so the mirror arrived via freight in XX/XX/2023. 

In XX/XX/2023, I received a statement from XXXX XXXX saying that I was past due on payment. I did not know what the statement related to, and on XX/XX/2023 I emailed the contact on the statement ( XXXX XXXX ) saying I have not contracted with XXXX XXXX and requesting him to " Provide appropriate details so that I may determine whether this statement is legitimate or fraudulent. '' I did not receive a response. 

In XX/XX/2023, I received another statement from XXXX XXXX repeating that I was past due on payment. XXXX XXXX was once again listed as the contact, and on XX/XX/2023 I tried to call him ( but was sent to voicemail ), and so the same day I emailed him again and reiterated that I have never contracted with XXXX XXXX for anything, and to please respond to my initial email and explain why I am receiving statements. I also said at that time that if I received another statement without explanation, I would report them to the appropriate governmental authorities. 

In response, XXXX XXXX looped in one of his colleagues, XXXX XXXX. XXXX XXXX then emailed XXXX XXXX ( with me copied ) and asked them to check the bill of lading, which was attached to the email, and advise if it can be billed to XXXX XXXX ( as it should, as ( i ) I already paid XXXX XXXX for shipping, and ( ii ) XXXX XXXX is the contracting party, not me ). The bill of lading also said on the " Invoicee '' line " XXXX ''. It was at this time that I realized what the debt related to, and that it is not my debt to pay. 

I assumed XXXX XXXX would pay the debt and that would be the end of it, but instead I received a letter dated XX/XX/2023 from Brown & Joseph LLC, which says they are a debt collector and that I owe {$150.00} to XXXX XXXX ( a subsidiary of XXXX XXXX ). 

Despite reasonable attempts to get XXXX to bill the appropriate invoicee and no basis for them to conclude that I ever agreed to pay them anything ( and knowledge as to who the correct invoicee is ), they have instead repeatedly sent threatening mail and now referred a debt that I do not owe them for debt collection. I do not want to pay someone else 's debt, but I don't know how to get them to stop otherwise. Please help me. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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