vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: CT

Complaint narrative:
XXXX XX/XX/year> XXXX p.m. : Received a text from Bank of America showing my credit card was charged {$690.00} at XXXX XXXX XX/XX/year> XXXX p.m. : Called Bank that it was not me who used the card XXXX XX/XX/year> : A charge of {$690.00} was posted on my credit card account. 
XXXX XX/XX/year> : Bank reimbursed me for {$690.00} XXXX XX/XX/year> midnight : The Bank reversed the credit and charged {$690.00} with an inbox message. The report said " charge ( s ) was made using one of your verified devices, like a cell phone or tablet. '' and to call the bank for copies of documents they used to make this decision. 
XXXX XX/XX/year> : I called the bank at XXXX a.m. ( they open at XXXX a.m. ) and asked for copies of documents, but none were available. They said they would re-open the dispute, but I still have to pay the {$690.00} charge. 
XXXX XXXX : I filed a police report saying someone else had used my card at XXXX online. 
XXXX XXXX : Provided the bank with the police report. 
As of XXXX XX/XX/year> : I still have a {$690.00} charge on my credit card account that I am supposed to pay.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: VA

Complaint narrative:
Date submitted : XX/XX/XXXX Amount : {$25.00}, XXXX I received a 1099C from Discover Credit Card Services in XXXX. I paid IRS taxes on this credit card charge off and Discover Credit Card Services refuse to delete this account from my Credit Report. I can't be delinquent and have {$25000.00} as an income... very conflicting. 

Please assist in removing the {$25000.00} off of my Credit Report immediately. 

Kindest, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Recently I checked my credit report and noticed hard inquiries on my account that were not made by me and what I assume to be fraud I need them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. 

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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:
Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. 

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized. 

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Overdraft Fees on My Account Dear Navy Federal Dispute Resolution Department , I am writing to formally dispute the overdraft fees recently applied to my account. Upon reviewing my account activity, I believe these charges were improperly assessed, particularly in light of recent reports indicating potentially unlawful overdraft practices by financial institutions, including Navy Federal.

A recent article highlighted that certain overdraft fees charged by banks may violate consumer protection laws, such as the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Under Regulation E, I am entitled to clear, affirmative consent for overdraft services and transparent disclosures regarding fees. However, I believe the fees in question were charged without fully adhering to these requirements, potentially infringing upon my rights as a consumer. 

Additionally, as outlined by the Consumer Financial Protection Bureau ( CFPB ), institutions are prohibited from using unfair, deceptive, or abusive acts or practices in relation to overdraft fees. Based on my records, I believe the overdraft charges applied to my account may be inconsistent with both CFPB guidelines and fair consumer banking practices.

I am formally requesting : 1. A detailed review of my account transactions and fee assessments, with documentation of your compliance with federal regulations.

2. A refund for any overdraft fees deemed improperly charged, as well as any associated interest or penalties.

3. Written confirmation that my account has been reviewed and corrected accordingly.

Please consider this letter a formal dispute under both the EFTA and the Fair Credit Billing Act ( FCBA ). I kindly request your timely response, as federal law mandates prompt attention to disputes. If necessary, I am prepared to escalate this matter with the CFPB and other relevant regulatory bodies to ensure my consumer rights are upheld. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello and good day. This is a follow-up from # XXXX that I submitted on XX/XX/XXXX. On XX/XX/XXXX at XXXX I had a missed call from XXXX, a male who stated in a voicemail message that he's from Bank of America and is calling regarding my complaint. I didn't call him back. The same day at XXXX he sent me an email to contact him at the telephone number below but there wasn't a telephone number in the email. He signed off as XXXX XXXX and the email was from XXXX XXXX. He wanted me to call him to confirm that I am the party who engaged the CFPB. I responded to the email on XX/XX/XXXX at XXXX that yes, I am the party. I saw your call and heard your voicemail message. As of today, I haven't received a reply. On XX/XX/XXXX I received postal mail from Bank of America? From " XXXX XXXX XXXX '' XXXX XXXX, Texas XXXX " coincidentally the improper use and non-permissible hard inquiry started as well as the identity fraud ''. The letter had instructions for me to send my information to " XXXX XXXX XXXX '' documents, copy of credit report and misc. documents to them along with a detailed letter, name of credit agencies, reason for mt dispute and more. The letter also stated that they need the information to research my dispute, and they can't proceed because the information they received was incomplete. I was going to mail them some of the documents with hesitation and in the end, XXXX couldn't accept it as they do not deliver to XXXX XXXX XXXX and needed a physical address. On XX/XX/XXXX at XXXX I emailed XXXX XXXX XXXX for a physical address and as of today I haven't received a response. I certainly will not mail them anything now as they could be the scammers. This has been going on since XX/XX/XXXX with XXXX resolution. Please advise CFPB as I am exhausted and had to make many changes due to the fraud and the non-permissible hard credit report inquiry. I also became a victim of healthcare fraud as well after this started. Thank you.

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 2024-11-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX - Account # : - XXXXXX/XX/XXXX - Account # : - XXXX XX/XX/XXXX- Account # : - XXXX XX/XX/XXXX- Account # : - XXXXXX/XX/XXXX - Account # : - XXXXXX/XX/XXXXXXXX ( Original Creditor : XXXXXX/XX/XXXX - Account # : - XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXXXX/XX/XXXX ( Original Creditor : XX/XX/XXXX) Account # : - XXXX XX/XX/XXXXAccount # : - XXXX XX/XX/XXXX Account # : - XXXX {$690.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-10 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: FL

Complaint narrative:
This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received report from one that has detailed dates for the last two years and the month is not involved. that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account. Account XXXX # XXXX ( CLOSED )

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 2024-11-10 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an email from XXXX XXXX last night and again this morning stating : A new inquiry was just added to your XXXX credit report. This could affect your score, but the change will make less of an impact over time. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. 

Last night, I checked XXXX XXXX and saw a hard inquiry on my XXXX report for CBNA dated XX/XX/XXXX. I did not apply for any credit with CBNA. I was unable to reach a representative with CBNA last night so I called XXXX this morning and was advised to file a report with the FTC. Before filing this report, I reached out to CBNA. They said they would cancel the application and remove the inquiry from my credit report. They also suggested that I call XXXX back and request a credit freeze.

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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear Jefferson Capital Systems LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: FC HoldCo LLC
State: OK

Complaint narrative:
Recently I checked my credit report and noticed hard inquiries on my account that were not made by me and what I assume to be fraud I need them 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: U.S. BANCORP
State: OK

Complaint narrative:
Recently I checked my credit report and noticed hard inquiries on my account that were not made by me and what I assume to be fraud I need them 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 non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: NM

Complaint narrative:
Terms and conditions of XXXX XXXX XXXX XXXX is not being actually made available to Consumers supposed to be {$1000.00} a day actauuly like XXXX a day and three days ive attempted to access XXXX XXXX but function is blocked and not able to acess also Chime has Automatic savings terms and condition and it states that chime will put {$240000.00} in a savings account at there program bank and if you do not agree to terms and Conditions to call us and tell us you dont agree with terms and you may request refund so i did just that and customer service acted like they had no idea about what i was saying. Asked for refund but they had no idea what i was talking about but didnt bother reading their own agreements dont you guys have copies of those terms

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
Subject : Request for Removal of Credit Inquiries Dear Credit Reporting Agency, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX, I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Collection : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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:
Subject : Request for Removal of Credit Inquiries Dear XXXX XXXX XXXX, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Collection : XXXX XXXX, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: OH

Complaint narrative:
I spoke with a EQUIFAX representative yesterday and asked her to fix my birthday, remove all old addresses and phones numbers, remove a hard inquiry that I did not request and could have not requested because XXXX XXXX XXXX at the time. 

The inquiry is from XXXX on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX. She switched my present address with my former address. Now I have the incorrect address on file. I filed two disputes one for the incorrect birthday. I believe the other was to remove all my prior addresses and phone numbers. 

I also asked them to remove an alias name that I have never used before that was incorrect and she told me to contact the merchant that put it on there. They denied both of my disputes even though I uploaded my state ID with my current address as well as my birthday.

Company response to consumer: Closed with non-monetary relief