vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There was an unauthorized {$5000.00} charge on my credit card on XX/XX/XXXX. I caught it right away and contacted Bank of America immediately. I also filed a police report about the incident that lead to the unauthorized charge. Street canvassers working for children 's charity were outside of the grocery store and collecting donations. I filled out a form to make a {$20.00} donation to the charity and that was how my credit card information was exposed. The thieves charged {$5000.00} to my card. 

The first customer service representative that I spoke to at Bank of America on XX/XX/XXXX filled out a fraud report on my behalf. The following day, XX/XX/XXXX, I contacted customer service again to give them information about the police report. I also requested information from Bank of America about who charged my card because I wanted to submit that information to the XXXX Police Department to help with the investigation. The thieves have targeted a lot of other people in XXXX too, and the police are trying their best to figure out who they are. Bank of America was unable to provide me with any information about who stole {$5000.00} from me. 

On XX/XX/XXXX, I found out through my online banking that Bank of America had denied my fraud claim, so I called customer service again. I was told that my claim had been denied because it had been filed with the wrong department. Apparently there is a different department for unauthorized charges ( billing disputes ). Since my report had been filed as fraud rather than a billing dispute, I was told that I would be responsible for paying the {$5000.00} charge. Also, the customer service representative made me aware that no information about the police report had been included in my case file. I asked her if she could try submitting may case to the right department along with the information about the police report so that Bank of America can follow up with the XXXX Police Department. The customer service representative did her very best too help me, but it was too late to stop the charge from clearing at this point.

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 monetary relief
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the blocking and permanent deletion of fraudulent accounts from my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information removed from my credit file immediately. 

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Fraudulent Amount : {$210.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$440.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$490.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$100.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$160.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Credit Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Request : According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of a request from the consumer to block such information. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the blocking and permanent deletion of fraudulent accounts from my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information removed from my credit file immediately. 

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Fraudulent Amount : {$210.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$440.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$490.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$100.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$160.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Credit Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Request : According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of a request from the consumer to block such information. ''

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 2025-02-23 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/year> Inquiry on XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from BARCLAYS BANK DELAWARE that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX  credit report from XXXX XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX that I did not authorize or seek credit from this bank

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 2025-02-23 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> Inquiry on XXXX credit report from Capital XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from capital XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from  XXXX  XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from XXXXXXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from DIGITAL FEDERAL CREDIT UN/CUDL that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on Trans Union credit report XXXX XXXX XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX that I did not authorize or seek credit from this bank

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX is a debt collector that has fraudently obtain my credit information with my written consent and is inaccurately reporting on my credit report as if I had did business with them. This account is not validated and XXXX had deleted this from my credit report and yet Transunion and XXXX is still reporting this deleted account ( XXXX ) inaccurately. This inaccuracy is in violation of my consumer rights, FCRA Laws and FTC regulations.

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 2025-02-23 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: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX is a debt collector that has fraudently obtain my credit information with my written consent and is inaccurately reporting on my credit report as if I had did business with them. This account is not validated and XXXX had deleted this from my credit report and yet XXXX and Equifax is still reporting this deleted account ( XXXX ) inaccurately. This inaccuracy is in violation of my consumer rights, FCRA Laws and FTC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccurate information are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX in accordance with the fair credit reporting act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the account with so i can do a follow up please provide me with an updated copy of my credit report after reinvesting my report thank you 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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX I got a text from chime asking if I did a transaction I replied XXXX and then they called me told me I need to order new card so I did and the new card wasn't supposed to get to me in XXXX XXXX XX/XX/XXXX and on the XXXX someone in XXXX with drew all my money XXXX and XXXX on the XXXX with that card that never made it to me and I did a dispute and they denied me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Previous deleted collections accounts is still being inaccurately reported by EXPERIAN, Transunion credit reporting agency and Equifax credit reporting agency which is direct violation of FCRA Laws and my consumer rights. Failure to comply with FCRA AND CONSUMER LAWS can result in punitive damages and can involve my State Attorney Generals Office here in XXXX  and the Federal Trade Commission ( FTC ) as well as The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB )

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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Experian inaccurate reporting information on credit report Names, Addresses, collections, hard inquiries.

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 2025-02-23 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: PA

Complaint narrative:
Experian inaccurate reporting information on credit report Names, Addresses, collections, hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
mohela/ XXXX XXXX XXXX XXXXXXXX the agency that seeks profit in the education of young americans will not count my XXXX payments, despite having the information to do so for the past 3 years. 
I have worked in public service healthcare roles for over 10 years- first as a nurses aid to people with developmental XXXX, then for XXXX  years as a XXXX  in a public XXXX, and now i am a XXXX XXXX, in my XXXX  year at a federally qualified XXXX XXXX. despite providing the necessary documents to forgive my loan for 3 years, this agency has only count XXXX of my payments toward XXXX. i have sent my XXXX 's or had my employers certify my employment in XXXX eligible roles. the amount of interest i am expected to pay grows. I AM NOT PAYING A CENT OF THIS LOAN. my PSLF payment count needed to be updated 3 years ago ( when this incompetent agency orginally recieved this information to forgive my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> I received a debit card in the mail from Wells Fargo related to an account that I never opened. Ive also never banked with Wells Fargo so they shouldnt have any information of mine in their system. I called and they transferred me to their fraud line. I explained this, and they said they would put a hold on the accounts and a fraud team would reach out to confirm identity theft took place before they could close the accounts. They said this can take 45 days. When I asked when the accounts were opened they said they could not disclose that information.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: KS

Complaint narrative:
Attorney and I requested proof of ownership after CFPB Vs. S.N.A.A.C. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and Security National Automotive Acceptance Company closed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " Westlake Portfolio Management ''. Thus creating a fraudulent document. Westlake Portfolio Management has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX over seas and did not comply with The Service Member Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
Constantly calling during work hours and at work and near relatives

Company response to consumer: Closed with explanation