vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
As a victim of the Capital One data breach where my information was compromised, I was initially offered free credit report monitoring through XXXX  by Capital One as a remedial measure. However, Capital One abruptly ceased this credit monitoring service without any notice, subsequently transmitting my sensitive information to my employer. This breach of my privacy and their failure to uphold their commitment to safeguarding my credit information showcases a severe lapse in their responsibility. It's deeply concerning that Capital One seems to disregard legal obligations and lacks accountability. Regrettably, I find myself in a situation where seeking resolution for these concerns feels challenging and seemingly without viable options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Hello, Ive made attempts in paying my students loans in full on XX/XX/2023 and XX/XX/2023 with both payments being reversed and not being told why. I was not informed by my student loan server about payment not going through therefore resulting in more interest accruing to my account. Ive called my bank to confirm my account numbers & they confirmed they did not receive any sort of request from aidvantage for payment. It is not right that we have to be held responsible for lack on the student loan server part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX on XX/XX/XXXX  from 1st Franklin Financial for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/XXXX  in an account with XXXX XXXX XXXX XXXX via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an un readable signature was written beside my name. The phone number on file both on the check and in 1st Franklin Financials system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX Sheriffs Office to file a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within 3 to 5 business days from the date the report was filed on XX/XX/23. I then returned to the office of 1st Franklin financial located at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the Sheriff. Employee took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department of 1st Franklin Financial. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of XXXX XXXX XXXX XXXX at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. From there I was advised to file with the CFPB as was done on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
On XX/XX/XXXX, someone made a purchase totaling to the amount of {$2600.00} at the XXXX XXXX located on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in person. I called and filed a dispute immediately and also went to the store location to ask about the transaction. At this time, I hadnt received my card in the mail yet and was shocked someone used my information to make a purchase in person. The cashier said the man making the purchase had the physical card, and so he didnt ID the man in question when he made the {$2600.00} purchase. They told me to file a police report, which I did later that evening. XXXX XXXX has been investigating my case and pulled video surveillance showing a XXXX  man, possibly in his XXXX, using my card without being IDd. I do not have any other authorized users on my account. The case is still pending as theyre trying to figure out who this thief is. However, I got an email on XX/XX/XXXX stating my dispute is closed and I was found responsible for the charges based on not enough evidence supplied by me. I would like to know what evidence I would need to supply, when Ive given XXXX XXXX my case number and Detective XXXX has pulled footage from XXXX XXXX security cameras showing someone who is not XXXX XXXX and was not authorized to use my card was able to make a purchase using my identity and card. I want this dispute opened back up and to not be responsible for the {$2600.00} fraudulent charges that were made on my account without my knowledge or 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 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Someone stole my identity and used it to create a joint account and obtain an auto loan on a XXXX dollar vehicle which had a XXXX interest rate. I would never do such a ridiculous thing. On XX/XX/XXXX  I called the company ( Predatory lender Ally Financial ) and requested that the account be closed. I also filed an FTC report and disputes with all 3 credit bureaus. I was questioned and made to feel as if I was a suspect. Ally Financials ' fraud department then told me after a line of questioning that an investigator would reach out. The investigator XXXX XXXX called me the next day, but I missed the call. I tried to return the call the next day and the following days but was always told she was in a meeting, or she was busy. I am very nervous to speak with her because, after my initial contact with Ally Financials ' fraud department, it was like they were there not to help but to disprove my claim and keep me on the hook for this fraudulent account that has wrecked my life.

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 2023-12-16 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: GA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report. 


15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
Well I requested XXXX remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but XXXX will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for XXXX to delete the incorrect information immediately off my 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 2023-12-16 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:
Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.

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 2023-12-16 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:
Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank accepted an accurate credit card application from me, with my legal name and address correctly presented on the application. Chase Bank approved my credit card application. Thereafter, Chase Bank issued a credit card to me with my name misspelled and an incorrect mailing address. I have spent more than two months trying to get Chase Bank to correct THEIR errors. My husband and I have many accounts with Chase Bank, all of which have our names spelled correctly ( matching our government-issued ID 's ) and our correct mailing address on them. My nam hasn't changed since I got married 45 years ago. My address hasn't changed in more than 3 years. After several weeks of fighting with Chase Bank, they corrected my mailing address. Then, they forced me to complete a Legal Name Change Form and give them a copy of my passport. I did everything Chase Bank demanded. Finally, they corrected the name on my credit card. But, they sent the corrected credit card to the erroneous address, effectively nullifying all the work I did previously to get my address fixed! Now, they have altered my husband 's Chase Bank credit card mailing address also, putting an erroneous address on HIS account also! None of these changes were initiated by me or my husband. The misspelled name and the erroneous address data originated at Chase Bank and despite meeting with a personal banker three times at a local branch, and supplying evidence of Chase Bank 's persisting errors, we can not get Chase Bank to fix their errors. We fear this problem may have an adverse impact on our credit, as Chase Bank may report an erroneous address for us to a credit reporting agency. Further, we are not getting our mailed statements timely, due to the wrong address on our bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have an account # XXXX XXXX XXXX Bank that's being reported through XXXX as XXXX or paying as agreed. See Attached Document XXXX ) This account is Only reported on TransUnion, according to XXXX. 
As I looked into the payment History, it's contradictory to the XXXX XXXX. See Attached Document - It reports of a 30 day XXXX XXXX for XX/XX/2021. 

This company has been reporting inconsistencies across the board. How is that one information is shows positive status. 
Then another one separate with Damaging, Negative, and inaccurate information dealing with the exact same account.. This is not Right and it is so unprofessional. 
Why would this company report my payment status as pay as agreed. Then conflicts that positive information with a 30 day past due payment. 

This inaccuracy has negatively impacted any possibility of financing. I ask that this account be REMOVED from my credit reports. It is clearly this company is in violation of the fair credit reporting. 

See Attached supporting documentations Thank you

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 2023-12-16 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: NC

Complaint narrative:
I had 2 credit cards open with Capital One ; both were in good standing with no late payments. I reported fraudulent activity to Capital One that came from another country. They said they'd investigate and never got back with me. I called and asked for an update later and they stated that they had mishandled my case and the fraudulent charges was never filed to be investigated. So I filed again after receiving a list of requested charges on my account. I called and informed the representative which charges were not charged by me and were fraudulent. The representative stated that they opened another case and they would investigate and get back with me and again information was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: MI

Complaint narrative:
I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both XXXX and Equifax breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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:
I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both Experian and XXXX breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
My bankruptcy information is incorrect. Case ( docket ) number is wrong, asset amount is wrong. 
Moreover, XXXX and XXXX say that LexisNexis provides them with bankruptcies data. But they list USBC as a furniture of this data. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IN

Complaint narrative:
Actually the problem is that this debt is in excess of XXXX XXXX XXXX. It was with XXXX XXXX and the debt was put on my account by my grown son without my permission. The debt was around {$1200.00}. Until recently I have not been contacted for about XXXX years. Now they are sending me letters, email messages and calling my cell phone. I am XXXX XXXX XXXX and have been on XXXX XXXXXXXX since 1994. I have not responded because I understand if you do, the debt can become active again. I didnt want that to happen. Please advise on what I should do to get them to leave me alone.

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 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I couldnt afford the vehicle anymore in XX/XX/XXXX so I volunteered to let them repossess the car. They picked up the car about 2 weeks later and I didnt hear back from the company until XXXX  when they said they never got the vehicle. They have been reporting the vehicle late on my credit report late for the past year. The company name is Credit acceptance and to my knowledge they received the car 5 years ago. If I actually had the car they should have repossessed it or taken me to court or filed charges and I could prove I submitted the car. I told all credit bureaus about how it was a repossession and they still report the vehicle as a late payment. Also the amount they say I owed is not correct. I only owed XXXX at the time of repossession. They are claiming XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Around XX/XX/23, I opened a Citi Accelerated Savings account and completed an ACH transfer from my XXXX checking account in the account of {$14000.00}. The funds were posted as a Withdraw from my XXXX account. Last week, I had an opportunity to obtain a higher return on investment on my money and attempted to transfer the funds back to my XXXX account, the Citi portal indicated that the transfer is blocked for a MFA review and to call XXXX. They mentioned the transaction is being reviewed and take 24 hours. I called XXXX on XX/XX/23 to check on the status as I still can't transfer the funds and they instructed me to call back on Monday XX/XX/23. As of XXXX XX/XX/23, not only are the funds not being able to be transferred but Citi has made my accounts inactive. THEY HAVE {$14000.00} on my hard-earned money and won't release it!!!! Please Help!!!!!

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 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Was in a repayment plan with Wells Fargo due to struggling with paying mortgage after divorce, they ended up foreclosing on my home even though I was sending payments. Today XX/XX/23 I received a check from them for an error when the loan was considered for payment assistance options. It has be roughly 10 years since the foreclosure happened and I really dont see how it was possible for them to foreclose on my home when they owed me money.

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