vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX 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 2024-10-02 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am writing to formally dispute an account and inquiry by Chex Systems. Chex Systems is Illegally reporting misinformation and wasn't given any permission by me to do so. Chex Systems reported me for suspected fraudulent activity on XXXX Account Number : XXXX. I believe this to be the result of Identity theft and have submitted an FTC report along with documentation that's need in order to investigate this matter.

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 2024-10-02 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding the recent closure of my accounts with Capital One. I have been a Capital One customer for over 10 years, maintaining a good standing throughout that time. Recently, I performed work for an individual who agreed to pay off my credit card balances as compensation. Although the payments were initially successful, they were later canceled and returned. As a result, Capital One has permanently closed my accounts, suspecting fraudulent activity. 

I want to emphasize that I had no knowledge of any issues with the payments and that the closure of my accounts appears to stem from circumstances beyond my control. Unfortunately, I am unable to obtain further documentation from the individual or their account, as I have no means to contact them. Given my long-standing relationship with Capital One and my prior good standing, I believe the closure of my accounts is unjust. I have attempted to resolve this issue directly with Capital One but have not received a satisfactory resolution.

I request that the CFPB investigate this matter and assist me in reopening my accounts or finding a resolution to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX 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 2024-10-02 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-02 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I noticed some incorrect details on my credit report that violate 15 USC 16c-2. These inaccuracies are harming my credit rating.

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 2024-10-02 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: CA

Complaint narrative:
This has been causing me undue stress and XXXX, my credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report, I believe this has been fraudulently placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> I scheduled a transfer from my external account to EverBank via EverBank 's online app. 

There was no record of this transfer being scheduled on my end nor did I receive email conformation of this. Therefore on Monday morning XX/XX/year>, I called EverBank. On the recorded line, I was told by the representative that he could not see any scheduled transfers. 

After this, I initiated a second transfer. However, I accidentally selected the wrong external account when telling EverBank where to pull money from. Normally, I would go into scheduled transfers and cancel the request moments after initiating it if an error was made but there were no scheduled transfers showing on my end. 

After the first call on XX/XX/year> and noticing my mistake, I called EverBank right back to see if they could see the second transfer I just scheduled. For a second time, I was told there were no transfers that had be scheduled. 

Since hearing these transfers did not exist, I initiated a third transfer from my other savings account at EverBank. This time the requested transfer did immediately show up on my end.

The next day I realized all three of these transfers, two of which I could not see and was told does not exist by EverBank, had gone through. 

The second transfer had overdrafted my checking account at my external account due to EverBank telling me that requested transfer did not exist even after I called in moments after submitting the transfer request. 

EverBank 's faulty system did not confirm my transfer request via the app, website, email, or verbally over the phone. I was told these two transfers were never received yet they went though which caused my external account to over draft. 

After hearing back from EverBank after reporting what had happened, I was informed they played the recorded calls, confirmed both representatives could not see any requested transfers but still could not do anything to help despite receiving inaccurate information directly from EverBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> my checking account with all my money in it was hacked and multiple fraud claims were committed on my account, XXXX of them being through XXXX. I noticed about a dozen incorrect errors that were occurring on my account within the same time frame and realized somebody had access to all my personal information. I have reason to believe my phone was hacked by a merchant I paid in Chime minutes before the XXXX transactions went through, which I had to also report. I was also going to a community gym where someone couldve easily had access to my phone around the week of the XXXX. I called immediately reporting that all my funds were being stolen. I had to CLOSE my account, close online banking, and change my debit card. I reported everything to us bank and us bank denied the ones submitted to XXXX upon submitting my dispute XXXX. These are the XXXX claims i am submitting to Consumer Financial as my complaint towards XXXX dept U.S. Bank who have not cooperated with this awful situation that has left me a XXXX person with no funds and my life was completely affected by this ambush. I am a victim of fraud. Please help me get my money back. These are the following claim numbers with them and this is the total amount : XXXX {$63.00} XXXX {$100.00} XXXX {$450.00} XXXX {$660.00} Total : {$1200.00} FRAUDULENT DISCREPANCY BEING DENIED I NEED MY MONEY BACK PLEASE

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I went to Truist Bank to fund my account that I opened on XX/XX/XXXX. Reasoning I opened the account is because I needed to have an account other than XXXX  XXXX XXXX thats two hours from where I stayI cant access the account to XXXX  XXXX XXXX to verify the card pin to activate at the bank because I have no transportation. 

Reasoning said truist is closest to me so I went to that branch location to fund my account so I can XXXX money to my landlord that Im renting the apartment from so I wouldnt be homeless. I deposited {$380.00}. Not even a hour later after getting my bus back home I tried to login my bank mobile access to XXXX the {$380.00} to my landlord, it said your account has been locked I called the fraud department because they said it was fraud. 

MIND YOU NOT it went it to the branch and deposited physical hard worked money specifically @ XXXX XXXX  on XX/XX/year>. 

I went to the branch to discuss the matters and asked since my account is closed just give me my money back that I handed you all. 

They refused. Thats that.

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 2024-10-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I signed a repayment agreement with Direct Loans in 2011 not Aidvantage. I did not sign an agreement with Aidvantage to repay any money. I have also submitted a 1099C to the IRS for cancellation of this debt. It was accepted and processed and have been repaid again. I also have rescinded this original Repayment Plan. So I do not owe Direct Loans nor dur I owe Aidvantage. Aidvantage/Maximus needs to provide me with a debt validation from AidVantage/Maximus showing that I owe them money. Need to provide me with an agreement between AidVantage or Maximus verification that I owe AidVantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was shopping while on vacation at the Shops of the XXXX in XXXX XXXX, Louisiana on XX/XX/year>. The transactions made on this day were meant for souvenirs for family, and seeing as how I wanted to buy several I had a budget of not going over {$20.00} per souvenir. While shopping in this market, I bought a shirt that should not have been more than {$15.00} from one of the vendors, but as I was not handed a receipt I believe I was intentionally overcharged without my knowledge or authorization by XXXX XXXXXXXX XXXX. When reviewing my billing statement I noticed that I had been severely overcharged ( over {$400.00} ) and immediately filed a dispute with Chase. After hearing back from them after having my case closed, I called again to inquire about the dispute and even faxed a letter explaining my situation in greater detail and attempting to re-open another dispute. On XX/XX/year> I contacted Chase via phone again to inquire about why I was responsible for the overcharge after Chase had reviewed my letter. After trying to get more information about the investigation from the representative, the Chase representative was extremely rude and kept interrupting me to state that I needed a receipt- even after informing her that I did not have one. When I inquired if Chase had any information on the merchant so that I could contact them, or if they had attempted to, the representative told me no and did not provide me with any other information or avenues to assist me. As of today, I have not been able to find a website or business number for the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I have identified incorrect information on my credit report, as outlined in 15 USC 16c-2. I believe this inaccurate data is negatively affecting my credit score. I did not authorize the inquiries listed

Company response to consumer: Closed with explanation