vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have disputed this account several times with Comentity Capital XXXX XXXX The card was take out in my name Fraudulently. I have expressed to them Several times as well as sent two different police reports. I have disputed with the credit bureaus several times but they continue to verify the account without being able to send information that validates the account. I have been a victim of fraud the last ten years and have informed the company of stolen identity. 

The account has been sold several times and each time I am not being given proof of burden. 

I want the account removed from ALL credit reporting agencies due to its fraudulent nature and negative impact on my credit profile. 

The account is appearing on my account as a negative closer account. 

XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed that a savings account with minimal money I haven't used in years was charged over {$3000.00}, putting it in the negative. I called the bank ( Bank of America ) to tell them this is a fraudulent transaction, but I the fraud associate said they couldn't see any record of an attempted transaction and did not advise me to do anything. 

Two days later I see the same charge processing. I call the bank and tell them why was this allowed to process after I explicitly called about the fraud already. It is obviously fraud, money coming from an account that I never use. They put a stop payment but said it was too late and also put a freeze on account. They said when it posts I can initiate a fraud claim and that it would be refunded while they investigate. 

Predictably, this did not work and I see the transaction posted this morning. I put in a fraud claim but still they did not refund the money while they investigate. This is a blatantly obvious fraud transaction that I called about multiple times over days the bank had plenty of time to block and simply did not do so and are now not returning the money they should not have released in the first place. This is absolutely unacceptable criminal behavior by the bank simply allowing a criminal to take money from my account when I brought up the issue multiple times where they could have stopped it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I keep unenrolling from electronic statements ; however, their systems reenroll me in electronic statements. I've contacted customer service for the card multiple times. I really want to use ebill through my bank and to do that I can't use estatements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 ) ( 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a checking account with Chase Bank that I opened in the summer of 2022. Chase offers a service to deposit checks using a smart phone by taking pictures front and back. I noticed that Chase is not crediting the funds deposited for up to nine days. I visited the Chase branch location at XXXX XXXX XXXX, XXXX VA XXXX and spoke with two women there. One provided her business card to me, XXXX XXXX. Both ladies said that it can take up to XXXXne month to " process '' my deposit. I spent 15 years in banking in the XXXX. This can not be true. The checks deposited were from large commercial banks, XXXX XXXX and XXXX and the like. Chase seems comfortable with this as a policy. Is there policy legal? What can be done about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NJ

Complaint narrative:
I was on my experian credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called experian an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from XXXX XXXX XXXX then i immediately hung up and contacted XXXX XXXX XXXX on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with experian about 2-3 times already then experian was twlling me that the account is valid and I never made any payment. XXXX XXXX also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and experian. Experian took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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. 

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 CHILD SUPPORT ENF XXXX XXXX CHILD SUPPORT ENF XXXX XXXXXXXXXXXX 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 has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( 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 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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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. 

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 XXXXXXXX CHILD SUPPORT ENF XXXX XXXXXXXX CHILD SUPPORT ENF XXXX XXXXXXXX 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, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( 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 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 explanation
Consumer complaint received 2023-04-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo ( my bank for Checking, Savings, Business, Credit Cards ) has dropped my XXXX Score by XXXX points. My XXXX  Score went from XXXX to XXXX. My XXXX Score with XXXX XXXX  is XXXX. My accounts are up to date with every creditor. I am never late nor do I ever pay interest charges because I pay my monthly accounts in full before the due date. Well Fargo needs to sustain my score. I do not deserve some clown behind the curtain deciding to penalize me. And for what reason?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to report that my identity has been stolen and used to open credit cards under my name. I recently returned to the country after an extended period of time abroad and discovered that these accounts had been opened without my knowledge or consent. 

I have taken the necessary steps to address this issue, including filing a police report and working to clean up my credit. However, this identity theft has caused significant financial and emotional stress for me. It is alarming to know that my personal information has been compromised and used fraudulently without my knowledge or consent. 

I urge the FTC to take this matter seriously and work to prevent identity theft from happening to others. I also request any assistance that the FTC can provide in helping me to resolve this issue and restore my credit to its previous state. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today, Friday, XX/XX/2023 at XXXX XXXX an email and a text message came through congratulating me and thanking me for opening a checking account with Capital One bank. The issue here is that I never opened a checking account with capital one and unfortunately had to wait until XXXX XXXX to call them since that is when they open. I spoke for almost an hour to different agents, and none of them were able to provide any clear information or next steps or transparency around the fraudulent checking account that was opened in my name. They told me because I did not open the account they could not give me any information even though the account was opened in my name fraudulently. I spoke with three different consumer protection agents at Capital One : XXXX, XXXX and one female named XXXX, and all of them stonewalled me and gave me the same company spiel about privacy, which is all great, except it was my privacy that was being violated and they were doing nothing about it. They told me they flagged the account as fraud and they closed it and further communication would be sent right away, but I have not received any communication or confirmation that the account was actually closed. I was also told that because it was opened and closed the same day no big deal basically and there is nothing that happened but actually it is a big deal to me because they allowed a fraudulent account to be opened under my name and they were offering no guidance, no instructions, no follow up, no confirmation, either written or on the phone about any next steps or things that I could do to protect myself from this happening again. I do not bank or do any business with capital one and it felt like they were being dismissive and flippant about this fraud that was committed. They did not send an email to confirm that the account was closed and would not tell me about follow up actions or steps that were going to be taken by them. They left me with nothing other than have a nice day. I am disgusted by capital one, and their consumer protection department, because they did nothing to protect me or ease my concerns and I need to know whats going to happen, and what next steps theyre going to take to protect me from this happening again. I was trying to get information so that I can protect myself but they kept citing privacy. Even though an account was opened under my name they kept citing privacy concerns. Whos privacy are they protecting? The person who committed the fraud or are they trying to protect themselves from legal liability? I need answers and I need this to be investigated more thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Lincoln Educational Services Corporation
State: NJ

Complaint narrative:
I co signed with primary borrower for a loan I have no access to the loan no sign on information has been provided no statements nothing has been given to me I used the primary signers information to sign in and the loan has been merged with another loan... .I NEVER AGREED to sign for this amount see attached letters and screen shots

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NJ

Complaint narrative:
I co signed with primary borrower for a loan I have no access to the loan no sign on information has been provided no statements nothing has been given to me I used the primary signers information to sign in and the loan has been merged with another loan... .I NEVER AGREED to sign for this amount see attached letters and screen shots

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report noticed XXXX XXXX XXXX account listed. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. 

Ive request XXXX XXXX XXXX provide an original contract with my signature, validating the debt. They were NOT able to provide any documentation with my signature because I NEVER agreed to do any business with them. Therefore this alleged debt CAN NOT be Validated. XXXX XXXX XXXX have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. The documentation they provided does NOT have my handwritten signature. For the record, I state again that I have No business affiliation with this company. You have failed to do a proper investigation. Again, I have never agreed to do any business with them. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 

I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. Therefore, Im demanding that the following FRAUDULENT items be DELETED from my consumer report/ credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Late payments were reported on my credit report for the following. 


XXXX XXXX XXXX  Currently late - 7 missed payments XXXX XXXX XXXX XXXX  XXXX 2 missed payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a hard inquiry on my credit reports from capital one and XXXX XXXX. I do not have an account with capital one or XXXX XXXX. I have contacted capital one they gave me the XXXX XXXX number. I also contacted XXXX XXXX and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to capital one, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.

Company response to consumer: Closed with non-monetary relief