vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This inquiry has been reported on my credit report. I don't know these companies nor have I ever did any business with this company. This company does not have a contact with my signature.

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 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was hacked with chime. My card was stolen and I lost around XXXX from my account. They denied my claim twice and when I got in contact again I was told my claim information wasnt even being reviewed they just denied it. I reached out to the business on XXXX about these issues I was having and they blocked me. At this point I feel as if I have been wronged to a point of needing 3rd parties I reached out to the XXXX  and they couldnt get any solution with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I overdrew my account. Capital One sent me two emails on XX/XX/21 saying I had until XX/XX/21 at XXXX to bring my account balance to a negative {$5.00} or less then they turned around and billed me the fee on the XXXX and I called twice and despite me telling the reps about these emails they refused to remove the fee. I sold my daughters XXXX XXXX to make this payment and pay another bill who will only take a card and now I can not pay either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello Today 's date is XX/XX/XXXX i have tried on a few occasions to get rid of hard pulls that were fraud that i never applied for. Which I will fill you on the ones I am talking about. XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX and XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX. All four of these show up on my equifax and to the best of my knowledge i never signed anything or agreed for them to run my credit and would like removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This inquiry has been reported on my credit report. I don't know these companies nor have I ever did any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian had a chapter XXXX showing on my credit report that is not mine I sent in documents to verify that it is not mine and that chapter XXXX doesnt report to any credit bureaus. Experian claim that my information was verified but it came from a thrift part I sent in the letter from the courts clearly stating what I am disputing but it remains on 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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I would like to notify Equifax that they have fail to delete the inaccuracy on my consumer report so Equifax is now in default. I am giving Equifax the opportunity to cure this default in 30 days. I the consumer would like to state that Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I have included Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V. These show proof of the violations that Equifax has violated. Pursuant to 15 USC 1681b ( a ) ( 2 ) Equifax is in violation. This federal law states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax is also in violation of 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I have proof in the attachment label as Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never transunion.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
There are 3 creditors that pulled my credit report that I did not give permission too there is only one and that is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, and XXXX. I did not give these people permission to pull my credit report on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2021 While searching online to buy a new XXXX puppy I came across XXXX XXXX XXXX and contacted them hoping to purchase a dog. 

On XX/XX/2021 I made initial contact with the seller and began the process of buying the dog. The seller continuously changed the terms of the sale to complicate the process while requesting even larger payments of additional funds to cover previously nonmentioned costs. These include refundable deposits as well as soliciting a " refundable insurance policy ''. After payment was made I then asked for the money back due to even further requests for more fees and then became aware of the scam as the seller was nowhere to be found. I then reached out to the shipping company where it became apparent that it was also a component of the scam as they then requested an additional {$1900.00}. The three individual payments made were : {$1.00}, {$540.00}, and {$1400.00}. Payments were made to the seller via Zelle integrated into the XXXXXXXX XXXX XXXXXXXX. After contacting XXXX on XX/XX/2021 looking for assistance and potential recourse they stated they had little to do with the matter and that the concern should be taken up with Zelle individually. Zelle will not provide any aid or recourse. 

While collecting documentation for this complaint I was able to identify web host and payments processing services used by the scammers. Supporting documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I have disputed this numerous times to no avail. These are fraudulent accounts. Please removed. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made vacation reservations XX/XX/2021 and within a couple hours I canceled- not once - not twice- but multiple times with : XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX XXXX *Email Us* at : XXXX *Visit UsXXXX at : XXXX Even though I emailed them to cancel [ XX/XX/2021 ], they continued to send me confirmations. I never completed a confirmation. Rather, I returned their email confirmation with a cancelation. I repeatedly sent them an email to cancel, but when their charge of $ XXXX appeared on my Capital One card, I disputed it. Capital One says I'm still liable. 

I have numerous emails showing cancelations, which combined with my lack of confirmation, should be sufficient to remove the charge. 

Since getting mixed up with XXXX I have found that the Florida XXXX  has received numerous complaints similar to mine with the same co. 

Please help me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I had difficulty using my debit card - transactions were declined both at merchants and at ATMs. The bank 's customer service kept asking to try again and again, with screenshots to show that the card is not working. They even asked me to go to a ATM right away or to make a purchase right now, when all I was asking was for them to send me a new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing 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 explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never 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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax refuses to recognize that my city of residence is the same as the USPS normalized city for my residence address. My state driver 's license is an official government-issued ID and conforms to the Transportation Security Administration 's Real ID requirements, but Equifax refuses to recognize my driver 's license as proof of my identity. As a result of Equifax 's arbitrary and capricious refusal to recognize a valid state government ID, my access to credit has been delayed and I have incurred unnecessary expense to provide Equifax with additional proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of gift card fraud. I was scammed {$2000.00}. 3 Gift cards were purchased from XXXX and no employee raised a red flag. 1 was purchased from XXXX. Credit cards need to adapt with new fraud cases. The so called {$0.00} Fraud program from XXXX and Chase leave customers unprotected and with no coverage for lost money. Customers do not benefit from being scammed and have to come up with the money. The system is broken. I reached out and provided police report and case number for the input reportfraud.ftc.gov submission. They did not care. I know I am not the only victim and it is sad that these big credit card corporations fail their customers. I have been a user for many years, I have a credit score of XXXX and have never filed a fraud claim like this.

Company response to consumer: Closed with explanation