vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For a few years I have been having problems with my card being charged for purchases I haven't authorized. It got so bad that I have had to change my card 4 times and the same charges continues to show up on my card. I even disputed the charges and they still continue to reoccur. I was told at XXXX point that since they were reoccuring charges that it will follow each card I replace it with even without my authorization. My last card I never even activated but still has charges coming to it that are not late fees or interest. I have XXXX of dollars of false charges because I didn't realize how long the unauthorized charges were going on and when I tried to dispute they keep putting the charges back. I requested statements so I can review thoroughly what is going on but they say they don't have a record of me requesting it. I don't know what else to do to stop the stealing on my credit card...

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: I.C. System, Inc.
State: AR

Complaint narrative:
This has been discussed directly with the creditors and advised my personal information doesn't even match the account. But it is still listed on my report and just affect me from getting a home loan.

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 2024-12-17 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I did not authorize this company to run my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Debt Validation Letter to IC System, Inc. 

IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Request for Debt Validation under 15 U.S.C. 1692g Account Number XXXX XXXX To Whom It May Concern : I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This letter serves as my formal request for validation of the debt you claim I owe and which appears to be connected to the above-referenced account.

Pursuant to the FDCPA, I require the following information to validate this debt : 1. Full Validation of the Debt : The name and address of the original creditor. 
The original account number or reference number tied to the debt. 
A full and itemized accounting of the alleged debt, including the original balance, interest, fees, and any other charges assessed.

2. Proof of Authority to Collect : A copy of any assignment or agreement granting IC System , Inc. the legal right to collect on this debt.

3. Verification of My Obligation : A copy of the original signed agreement or contract allegedly binding me to this obligation.

Proof that the debt is within the statute of limitations for collection in my state.

4. Proof of Reporting Accuracy : If this debt has been reported to any credit bureau, I request evidence that the information reported is accurate, complete, and fully substantiated. 

Please note that until proper validation of this debt is provided, you are required to cease all collection activities under 15 U.S.C. 1692g ( b ). Any attempts to continue collection efforts without proper validation constitute a direct violation of the FDCPA and may result in legal action.

Additionally, I request confirmation that IC System, Inc. is fully compliant with all federal and state licensing and bonding requirements applicable to your collection activities in my jurisdiction.

This communication is not to be construed as an acknowledgment or acceptance of any debt. I simply require IC System , Inc. to adhere to its legal obligation to provide full validation of the alleged debt.

Please respond to this request in writing within 30 days of receiving this letter. If you fail to comply, I will have no choice but to escalate the matter further, including filing disputes with the credit bureaus, submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and exploring potential legal remedies. 

All future correspondence regarding this matter must be sent in writing to the address provided above. 

Sincerely,

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
On XX/XX/year>, XXXX charged my bank card without my permission three times, the first time for {$260.00}, {$190.00}, and XXXX. XXXX refunded the {$190.00} and XXXX to the account but did not return the {$260.00}. I reached out to Navy Federal Dispute Center and they emailed me back on XX/XX/XXXX saying that they had solved the issue and a refund would be credited to my account. As of today that refund has not been credited back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit 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: DISCOVER BANK
State: NY

Complaint narrative:
I am filing this complaint regarding a fraudulent charge on my Discover credit card. On [ insert date ], a charge of {$650.00} was made at a merchant in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not authorize this transaction. 

Immediately after noticing the transaction, I contacted Discover and filed a fraud claim. However, Discover has denied my claim. 

What concerns me most is that Discover reported the merchant provided a picture of my ID card as evidence to support the charge. My ID card was in the same wallet as my credit card, which was likely used. Clearly, possession of my ID by the merchant does not prove I authorized the charge ; rather, it suggests the fraudulent use of both my credit card and ID. Furthermore, I asked Discover to verify if my signature was correct and they were not able to do so. 

I am requesting that the CFPB review this matter as I have done everything in my power to report and resolve this fraud claim. Discovers refusal to reverse this charge despite clear circumstances leaves me unfairly liable for unauthorized charges. 

Resolution Sought : 1. Immediate reversal of the {$600.00} charge.

2. A proper investigation into the fraudulent use of my credit card and ID.

Thank you for your assistance in this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-12-17 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-17 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax, a consumer protection agency, for their failure to comply with the Fair credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
i already had my complaint already ( now they asked me for additional information, the add Info is : name of the company 's ( LEXINGTON LAW FIRMXXXX XXXX XXXX ) ADDRESS 'S : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX PHONE # XXXX XXXX XXXX. 
I already have a existing complain this is the info needs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

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 2024-12-17 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased a XXXX XXXX on XX/XX/year>. Also purchased insurance for loss, damage, or theft. Never received the truck. Company said it was delivered. When I looked into it the XXXX XXXX sent it to the wrong address. My address-but the town was different. There is a dispute as to whether it is my fault the address was input improperly or theirs. The address they claim to have delivered the truck to does not exist. My conclusion is either the driver kept it, it went back to the XXXX XXXX, or it was put at some random address. 
No picture of delivery was shown ( It was XXXX ) and the address just stated the town. 
I disputed the charge with the XXXX XXXXnothing was done. I then disputed the charge with my credit card company, and they found for the merchant, however, I did not get to include any details about the above facts. I feel that the credit card company did not do the investigation properly without these facts. 

In addition, the XXXX website was not working properly and it took several tries to even get the order in, in the first place.

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 2024-12-17 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Subject : Urgent Complaint and Request for Settlement Navy Federal Credit Union To Whom It May Concern, My name is XXXX XXXX, and I can be reached at XXXX or by phone at XXXX. I am writing to formally address the severe and discriminatory issues I have been experiencing with Navy Federal Credit Union ( NFCU ), which have caused me significant distress, financial hardship, and emotional suffering. 
XXXX. Account Restrictions : My access to all NFCU services, including phone banking, branch services, and the mobile app, has been unjustly restricted, leaving me unable to check my balances, make payments, or utilize my credit and debit cards. 
XXXX. Denied XXXX Credit Card Applications : Despite improving my credit and legally changing my name, I have been repeatedly denied a XXXX credit card without valid justification. 
XXXX. Discriminatory Treatment : As a XXXX XXXX  woman, I have been subjected to discriminatory actions, including being forcibly removed from an NFCU branch and treated as though I were a criminal. 
XXXX. Lack of Correspondence : I have sent numerous written letters and over XXXX emails to the addresses provided by NFCU with no response or resolution. 

The impact of this situation has been severe, particularly during the holiday season. I am unable to access my funds, manage my accounts, or make necessary payments, which has left me in a state of financial crisis. 

Relief Sought : Immediate reinstatement of full access to my accounts, including phone, branch, and mobile app services. 
A fair financial settlement to compensate for the undue hardship, discrimination, and emotional distress caused by NFCUs actions. 

I trust you will address this matter urgently. Failure to resolve these issues promptly will leave me with no choice but to escalate this matter further through legal channels and relevant consumer protection agencies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My credit is flunctuating after having a a limit which is violation of my rights after having a credit limit available, there should be no reason have my credit limit fluctuating once have an available amount with XXXX XXXX  my pay account with chime, Using my employer pay period as an credit offer to be available in my account. This is like having {$500.00} available credit on my account with XXXX XXXX  and next 4 days they remove that limit and decrease your limit. Thats what chime is doing. My credit limit shouldnt fluctuate between pay periods and still remain the same of a decreased balance of original {$500.00} limit after pay period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief