vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis, I failed complaint : XXXX My complaint said : Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : https   : //consumer.risk.lexisnexis.comXXXX  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report Your response had a PDF that was NOT attached. 

So, I am again requesting : Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : XXXX XXXX XXXX/consumer  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : JPMCB card shows credit balance of {$8100.00} with credit limit {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an email that I had a hard pull from XXXX XXXX XXXX  ' to my credit score on XX/XX/. XX/XX/, I started to received emails to an email that is not associated with my established credit card with XXXX. That I had been " approved '' for a XXXX XXXX XXXX XXXX XXXX to expect my card in the mail " 5 to 7 business days ''. I immediately called XXXX 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call XXXX XXXX checking and savings fraud department as well. She stated there were two different frauds progressing. I called TransUnion to put an alert on my credit score then called XXXX checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a XXXX total checking account had already been denied. There was now another notification, I had a hard pull from XXXX XXXX XXXX  ' on my credit score as of XX/XX/. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.

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 2023-10-26 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: NC

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 
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 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

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 2023-10-26 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: NC

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 
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 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 XXXXXXXX XXXX {$0.00}

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am an XXXX customer of Bank of America and I have been trying to reach them for a month to resolve my troubles of not being able to log in to my account. No one helped me log in and I can not use my bank card. I need to pay for my food medicine and bills. I have been out of my medication for a month because I can not get into my account. I have talked to XXXX XXXX in the complaint department at XXXX ext XXXX. I also have spoken with XXXX XXXX, and he said he couldn't help and transferred me to the correct department as he called it only for the line to be disconnected. I also spoke with XXXX because my cell phone is an international cell phone. It seems like I have been devalued as a customer because I moved from the XXXX XXXX to my husband 's country of XXXX XXXX. My husband is XXXX and just recently had XXXX XXXX back-to-back. We are not able to make the trip to XXXX just to walk in a branch. I have talked to so many people and no one is helping. Can you please help me resolve this matter??? 

Thank you! 

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
Consumer complaint received 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I am writing to file a formal complaint against OneMain Financial, regarding their deceptive lending practices that have significantly affected my financial stability. I am deeply concerned about the illegal sales and lending practices employed by this institution, which have left me, and presumably many others, in a precarious financial situation. 

I am a military dependent, and as such, I should be protected from deceptive and predatory loans. However, after taking out a loan from OneMain Financial and diligently making payments for a year, I am distressed to report that my loan balance has not decreased as expected. This alarming situation has caused me significant financial stress and hardship. 

According to the recent enforcement action taken by the Consumer Financial Protection Bureau, OneMain Financial engaged in deceptive sales methods, including upselling and deceiving borrowers about the necessity of purchasing add-ons to secure loan approval. Employees were reportedly coerced into promoting these add-ons, and in some cases, these products were added to contracts without the borrower 's knowledge or consent. 

Furthermore, it has come to my attention that when borrowers requested the removal of these additional products, the process was intentionally made difficult. Some employees even went as far as hiding disclosures from borrowers, which is a blatant violation of consumer protection laws. 

I am deeply disappointed that I, as a military dependent, was subjected to such unethical practices by OneMain Financial. These actions have not only affected my financial well-being but also eroded my trust in financial institutions that are meant to protect consumers, especially those affiliated with the military community. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate actions against OneMain Financial. I also request that my case be included in the list of impacted borrowers eligible for refunds, as outlined in the CFPB 's enforcement action. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to hold OneMain Financial accountable for their deceptive lending practices and ensure that affected consumers receive the redress they deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: Kovo
State: CA

Complaint narrative:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX  credit report shows the following : Kovo INC shows balance {$240.00} oppened on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive sent in XXXX disputes for a particular account however they came back verified Ive asked for the documents used to verify the account and received no response Ive sent this letter on XX/XX/06 asking for verification The account by XXXX XXXX XXXX XXXX XXXX Is falsely reporting and I ask for it to be removed This account is only reporting to equifax and no other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate. 

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information. 

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of DebXXXX ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand. 

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights. 

I look forward to receiving your response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate. 

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information. 

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of Debt ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand. 

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights. 

I look forward to receiving your response at your earliest convenience.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alerted by a reputable credit lender of a change to my credit report on XXXX, XXXX. Upon checking I was shown a new lender was opened in my name that was not authorized. I then used XXXX to see what steps were needing in reporting identiy theft. I was directed to filing with the FTC and following their guidlines of reporting a credit freeze and fraud alert to each credit bureau, disputing the account in question, contacting the police to make a report, contacting my personal bank to have them on alert and contacting the fraudulent account that was opened in my name and asking them to close the account down. 

The company was NOT helpful in anyway, they have multiple numbers one which is listed for creditors that goes to a solicitation. They were accusatory and stated many times, even though this account was opened in my name with my information, no information would be given because " I '' was not the person who opened the account. I was given many phone numbers to call and finally was told the account was closed but they would not give me any information about what address, phone numbers, or usage were attached to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX  6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : EMPLOYER : 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
Consumer complaint received 2023-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Yesterday, on XX/XX/2023, I was alerted by both XXXX XXXX and XXXX that a hard inquiry was made on my account without my authorization. I would like to bring to your attention that I did not apply for any credit cards or authorize any entity to perform a credit check. This discrepancy has caused concern regarding the accuracy and security of my credit report. I would appreciate your assistance in rectifying this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: DE

Complaint narrative:
There are unauthorized inquiries on my credit report that I asked to be removed. There are no open accounts with this inquiries however I did not give permission for my credit to be ran as I had my own financing. I sent a letter to Equifax to remove these inquires on XX/XX/XXXX via XXXX Mail and they sent me a letter removed some items but have not removed the inquires.

Company response to consumer: Closed with non-monetary relief