vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: MI

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 recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. 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 and my Proof of Address.

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 2024-11-12 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: MI

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 recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. 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 and my Proof of Address.

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 2024-11-12 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-12 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: GA

Complaint narrative:
Charging illegal, surprise overdraft fees on purchases made with sufficient funds. 
Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am filing this complaint due to an error on my credit report that is negatively impacting my financial history. Recently, I discovered that there is a credit card account with charges and late payments that I do not recognize and never authorized. Despite the fact that this account has been closed, it continues to appear on my report, affecting my ability to obtain credit. 

Account Details : Creditor Name : XXXX XXXX XXXX BANK. Account XXXX : XXXX. Total fraudulent amount : {$120.00}. 

I have made multiple attempts to resolve this issue, but the incorrect information remains on my report.

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

Complaint narrative:
I am filing this complaint due to an error on my credit report that is negatively impacting my financial history. Recently, I discovered that there is a credit card account with charges and late payments that I do not recognize and never authorized. Despite the fact that this account has been closed, it continues to appear on my report, affecting my ability to obtain credit. 

Account Details : Creditor Name : XXXX XXXX XXXX BANK. Account XXXX : XXXX. Total fraudulent amount : {$120.00}. 

I have made multiple attempts to resolve this issue, but the incorrect information remains on my 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 2024-11-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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 inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-12 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: GA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX CARD - XXXX - {$2000.00} XXXX - XXXX - {$800.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$1000.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$1800.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX XXXX {$760.00} XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX - XXXX - {$750.00} XXXX XXXXXXXX - XXXX - {$1200.00} XXXX XXXXXXXX - XXXX - {$630.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Current Address ( es XXXX XXXX XXXX THE XXXX XXXX XXXX, GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Address XXXX es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX, GA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX Previous Address XXXX es ) : XXXX THE XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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 XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX / Account # : - XXXX XXXX XXXX  / Account # : - XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) / Account # : - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX BANK XXXX A ) / Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Account # : - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX )/ Account # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Account # : - XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX BANK ) Account # : - XXXX XXXX XXXX / Account # : - XXXX XXXX / Account # : - XXXX XXXX XXXX  / Account # : - XXXX XXXX XXXXXXXX Miscellaneous Finance XX/XX/year> XXXX XXXX Bank Credit Cards XX/XX/year> 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 XXXX 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 XXXX 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 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I had my Chase debit card linked with my Western Union ( XXXX ) account because I donate money to XXXX. Somebody in XXXX was able to log into my XXXX account and take out {$1000.00}. XXXX claims I authorized this transaction and said they can not give me a refund on money that was already withdrawn. They told me to call the police, and I was able to get in contact with police in the XXXX country where this took place, but they asked me XXXX important question : " Which branch did this occur? '' Western Union never answered my e-mails when I asked " Which branch did this occur? '' I called their customer service a dozen times and the call would randomly drop, and each time I called back I had to explain myself from the beginning. I filed a fraud claim through XXXX, but XXXX told them I authorized the transaction and provided them with paperwork showing that I apparently benefitted from this transaction. The paperwork shows that the money was sent through the app so according to XXXX and XXXX, that means I authorized the transaction... but it wasn't me, I was HACKED. Someone working for XXXX clearly made it seem like I authorized this but I didn't. Even the name they selected as the receiver was the name of a friend of mine who lives in a country in a different continent. 

I don't know how to proceed. I can't imagine how much $ it would cost to summon someone from XXXX that can re-trace my ping and prove that the first time I logged into the XXXX app that day was immediately after I realized {$1000.00} was missing from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for the AMEX XXXX Credit Card with an offer of XXXX sign-up points. However, after entering my details, I received a prompt reducing the sign-up bonus to XXXX points and asking me to confirm and proceed. 

I went ahead, applied, and met the spending criteria for the sign-up bonus. During the application, I also opted for a designer card, which AMEX issued as an add-on in my name, and they charged a fee for it. I later called AMEX to cancel the add-on card and requested a fee reversal, which they processed. 

When I followed up on receiving the sign-up bonus ( Request # XXXX ), AMEX closed XXXX request, claiming I had a previous AMEX XXXX card due to the add-on issued with my application. After explaining this misunderstanding to an agent, they agreed that I am eligible for the sign-up bonus, but XXXX months later, XXXX still waiting for it to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our XXXX passed away XXXX. Since receiving his XXXX XXXX, we have been trying to have remaining funds in his Chase Bank checking account released to me and my XXXX sisters. I am POA on the account. All of us are Beneficiaries on the account. XXXX released his XXXX account funds to us but refuses to release his Checking account funds because they said there XXXX be additional automatic deposits that would need to be refunded. XXXX had automatic deposits from his XXXX, Social Security and XXXX XXXX. All three have been notified of his passing and stopped so XXXX needs to release the remaining funds in the checking account. We provided all requested information to XXXX ; however, even after multiple calls and in-person visits, they are still not releasing funds from XXXX 's XXXX account so we need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called XXXX " XXXX '' exchange numbers on my Capital One XXXX XXXX card. First connected to XXXX, spoke with customer service representative, then transferred to Senior Account XXXX XXXX XXXX, in the XXXX, at. The XXXX number on card XXXX. XXXX said shecould not transfer me further, said I had to accept 29.99 % for Good credit rating. I have Excellent credit rating which was the reason for the 0 % for 15 months offer.She and first representative that Capital One can encourage people to apply with offer, then gice another card, which I believe is bait and switch. For further dispute of this switch, I then called XXXX for XXXX XXXX XXXX and was connected to representative in XXXX. I was next transferred to XXXX in the XXXX, who refused to tell me his identification number. He said I was not approved for 0 % 15 months, but it was on the account when I was accepted and no information was provided about switching terms in the card mailing material. There was no statement with interest rate for the new card on the XXXX XXXX XXXX, 2024, the webpage now shows 29.99 %, but that is new and not the offer to people who have Excellent credit rating. I believe it is a bait and switch. Not only of the offer, but the switch in my consumer credit category seems to me to discredit and misrepresent me. The huge increase, from XXXX to XXXX was not necessary for me, I have Excellent credit, cards with lower interest, as well as the ability to use my savings to pay off any balance when necessary, so I would not have applied or used this card if I had been told of the potential to switch the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Attempted to contact Credit Fresh to advise I never received this loan. Debt XXXX are harassing me for a debt I never accrued. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
A large amount of money was taken from my account without my knowledge, USAA denied my dispute claims and reduced the provisional credit. Then after depositing money from my XXXX XXXX  pay as well as a XXXX money transfer from a family member, more money on top of that was taken even though there is no debit card open in my name. 

USAA refused to assist me, claimed to be unable to help, and did not attempt to dispute or assist with fraud. Instead they pushed back repeatedly, disrespected me, made up information, backed down when asked about false claims, then attempted to disrespect me more. XXXX in particular is XXXX of the least professional people I have had the displeasure of speaking to in a long time, let alone for a company claiming to help veterans and XXXX XXXX service members. Even claiming there was no supervisor for me to speak to beyond him, he falsely claimed everything on my account is fine when there is MORE MONEY being taken from it, and claimed transcripts must be subpoenaed through court preceding 's, all of this was stonewalled until specifically asked about. Throughout all of this he was rude, confrontational, and had an ego. To top it all off at the end of the call he refused to say a word and hung up on 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 2024-11-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 ) ( a ) 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 inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-11-12 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief