vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: AZ

Complaint narrative:
These inquiries were unauthorized and I am a victim of identity theft 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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
Someone is using my maiden name with my social security number to open credit cards and lines of credit. I am very upset because I have worked so hard to get my credit score where its at, do not want my finances to be ruined by someone who is stealing my identity. 

I have placed a freeze on all credit bureaus to avoid any further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I found out in XXXXXXXX XXXX XXXXXXXX that I was being sued in XXXX XXXX, Ohio XXXX XXXX, Case # XXXX by Portfolio Recovery Associates for an account that I have absolutely no knowledge of what so ever. I contacted Portfolio Recovery Associates and requested that they send me a validation of the debt and an affidavit of fraud. I requested that they investigate this account as fraudulent. As of todays date, XX/XX/XXXX I have yet to receive anything from Portfolio Recovery Associates regarding my request to investigate this as fraud. Instead of responding to my requests, they have bombarded the XXXX XXXX Ohio XXXX XXXX with different motions, including a motion for Summary Judgment. They are clearly using the legal system in an attempt to force me to pay this account despite my requests that they investigate this account as fraudulent. They refuse to cooperate with any of my attempts to prove that this debt is invalid and fraudulent. They simply do not care that I am the victim of Identity Theft. They will use any means possible to force me into paying this fraudulent debt that I do not owe. I have filed a complaint with the identity theft.gov website regarding this account. That reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ask for proof of claim tnrough XXXX full accounting a true bill. Where relief can be granted. They are refusing this request. This is illegal. If they want to be paid, need full accounting of this debt! There was not full disclosure. So eye ' need proof of claim. XXXX is going along with the fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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:
I didn't authorize them, and I have no knowledge about 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 non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX  XXXX, and reachable at XXXX, do solemnly affirm and declare the following under penalty of perjury : XXXX. On XX/XX/2024, I observed unusual activity on my bank account after my attempt to use XXXX was denied due to insufficient funds ( NSF ). 
XXXX. Upon conducting further examination, I discovered XXXX unauthorized ATM withdrawals from my account totaling {$XXXX0}. 
XXXX. In addition to the unauthorized ATM withdrawals, there were XXXX other transactions made without my consent or knowledge : a. A transaction with the United States Postal Service ( XXXX ) totaling {$XXXX}. 
b. A transaction with a XXXX vendor totaling {$XXXX}. 
XXXX XXXX transaction with XXXX XXXX the amount of {$XXXX}. 
d. A transaction with XXXX XXXX XXXX to {$XXXX}. 
e. A transaction with XXXX XXXX for {$XXXX}. 
f. A transaction with a XXXX XXXX station for {$XXXX 
XXXX. The total amount of unauthorized transactions sums up to {$XXXX} ( {$XXXX} in unauthorized ATM withdrawals + {$XXXX from other transactions ). 
XXXX. I hereby affirm that I did not authorize any of the aforementioned transactions and that they were made without my consent. 
XXXX. I have reported these unauthorized transactions to my bank and have requested an investigation into the matter. 
XXXX. I request immediate relief and restitution for the unauthorized transactions made on my account. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. 
In conclusion, I respectfully request a thorough investigation into the unauthorized transactions made on my account. I am fully cooperating with the authorities and the ftc involved to resolve this matter swiftly and justly. I affirm the accuracy of the information provided in this affidavit to the best of my knowledge and belief. 
Your prompt attention to this matter is greatly appreciated. Signed, [ Signature : XXXX XXXX, beneficiary ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a XXXX XXXX and XXXX XXXX XXXX  Credit card last year, everything was going fine until they closed my account. I had just made XXXX XXXX dollar payment on the XXXX XXXX and XXXX XXXX dollars payment on the XXXX  credit card. I am puzzled on why? I did Indorse my bill statement or XXXX and XXXX  so they can credit my account as being paid. I don't think they liked that method of payment but without lawful money this is the only way to pay off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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.

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 2024-05-04 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: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of 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 2024-05-04 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: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Applied for an auto loan from the bank on XX/XX/year>, the loan was approved at an APR of XXXX %. The XXXX XXXX disclosure from the bank dated XX/XX/year> states an XXXX score of XXXX. The loan was not utilized and it expired. A subsequent application was submitted on XX/XX/year> and was approved at an APR of XXXX %. For both loan applications, the financing amount was the same and so was the term amount of 72 months. The XXXX XXXX disclosure notice from the bank dated XX/XX/year> states an XXXX score of XXXX. The supporting relevant documentation has been attached, you will see an XXXX difference of 2.9 %. 

There is no logical explanation as to why there is nearly a 3 % rate difference between the XXXX loan applications, the XXXX XXXX is virtually the same, the loan amount is the same, the term amount is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has a bank account on my credit report with credit reporting agencies that I dont OWN and DID NOT OPEN labeled as CHECK FRAUD on my report. Which is a negative mark on my credit and is violation to the fair credit reporting act because I did not open this account OR ever OWNED A Navy Federal Bank account and navy federal or XXXX XXXX can not and have refused to validate this account belongs to me which is violation of my fair credit reporting act. Navy federal & XXXX XXXX refuse to remove this negative remark off my credit and refuse to show validation of evidence that the alleged account belongs to me when it doesnt. I have sent a letter to XXXX XXXX and navy federal credit union themselves asking for this negative mark to be removed they are refusing to do show. I have asked for names, addresses, job positions to whom XXXX XXXX has spoken to about the alleged account from the bank validating the claim which they have not shown me. Neither XXXX XXXX or navy federal have shown my signature on a contract to back up their claim the alleged bank account belong to me this is violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
On XX/XX/XXXX, we called our previous car insurance company XXXX to start a claim for windshield replacement on my XXXX XXXX XXXX XXXX due to a rock chip that expanded. The work was to be done by XXXX. We ended up not going thru with the claim/window replacement as XXXX was not able to do the work due to computer codes for the windshield that only XXXX would have. We subsequently were shopping around for new car insurance when we found out about this claim still on our record- we explained to XXXX ( our new car insurance ) that we never went thru with the claim, they directed us to Lexis Nexis Risk Solutions to dispute this. XXXX relayed this affected our car insurance rate. We did dispute this with Lexis, Lexis indicated they could not corroborate the claim, where we then indicated they had 30 days to remove this claim from our record. This claim is still on our record. In a call to XXXX, they are able to corroborate that the claim was never processed. Ask : Please have Lexis remove this inaccurate claim from our record. 

On XXXX, Lexis responded to both the CFPB and myself that it tried to contact me on XXXX to verify my identity. This is not true. I have today provided my drivers license and a bill in response to Lexis ' XXXX letter. I HAVE AGAIN REQUESTED THAT THEY DELETE THE INACCURATE AUTO CLAIM FROM MY RECORD, AS THEY ARE REQUIRED TO DO SHOULD THEY BE UNABLE TO VERIFY THE INFORMATION, WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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:
These inquiries were made without my consent, and I have no knowledge of 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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: LA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have no knowledge of this debt. I have never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: LA

Complaint narrative:
Ive reached out to the individual companies ad was told I needed to reach out to the credit bureau itself in order to get the inaccuracies removed, however i was told that it was nothing that they could do for 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 2024-05-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, JPMCB Card Services, Account # XXXX, and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

JPMCB Card Services also shared non-public personal information ( NPI ) to consumer reporting agencies which are non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-out before they disclosed the information. As a result, JPMCB Card Services has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration with the lack of resolution regarding an ACH fraud claim filed on behalf of my business account with Bank of America. The fraudulent activity in question amounts to {$XXXX}, and despite XXXX days having passed since the initial report, there has been no progress towards resolving this matter. 

As a loyal customer of Bank of America, I expected prompt and efficient assistance in addressing this issue. However, the lack of urgency and apparent ineptitude of your customer service department have left me deeply disappointed. Despite my repeated attempts to seek updates on the status of my claim, I have received no concrete information or timeline for resolution.

Furthermore, I took the necessary step of filing a police report in connection with this fraudulent activity. However, even with this additional measure, there has been no discernible increase in urgency from Bank of America 's end.

I must emphasize that this situation is causing me significant financial and emotional distress. Not only have I been deprived of a substantial sum of money, but the apparent indifference and lack of action on the part of Bank of America have only exacerbated my frustration.

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 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX a paycheck was deposited by accident and XXXX accounts. The first account was XXXX XXXX. The second account was arvest bank. XXXX XXXX  immediately sent the money back to XXXX  XXXX XXXX and cancel the account. I have proof of the account being in active since XX/XX/XXXX. XX/XX/XXXX for the same amount of {$XXXX} was taken out of my Arvest account. The amount should not have been taken out. Arvest was unable to tell me exactly where the amount went and that I need to speak to the remitter. The remitter is XXXX  XXXX XXXX through my work, XXXX. I have tried to get information and this problem solved for a month now. Arvest says talk to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arvest Arvest. Im at a XXXXe. Please help me resolve this. This is money I need to live off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 explanation