vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: NV

Complaint narrative:
I found that I have been a victim of iIdentity breach. My social and account info was being sold on the dark web. They attempted many times to get a credit card from ; XXXX XXXX XXXX on these dates. they tried 3 times. 

XXXX XXXX XXXX I have asked both the XXXX XXXX XXXX  and the reporting agencies. I am complaining about Transunion they wont delete them from my credit report. they said to complain to Consumer Finance. The othe credit reporting agencies have deleted the fraudulent hard `inquiries Please remove these items from my credit. 

I am requesting that this item be fully investigated under your statutory obligation as outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies promptly investigate disputed items and remove any inaccuracies. Delete Now. 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 2024-09-14 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: TX

Complaint narrative:
I WOULD LIKE TO REMOVE ALL OF THESE ACCOUNTS ( Hard Inquiry) THAT ARE NOT SUPPOSE TO BE THERE 

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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am unable to request for my free reports online and unfreeze/freeze my credit myself. I will always get the need to contact customer service screen and it takes hours to get connected and the automated answering machine does not recognize me. It should not be such a barrier to get my own data. 

I attempted this 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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
ON XXXX MY WIFE GOT A FRAUD ALERT ON HER PHONE FOR THE AMOUNT OF {$1400.00}. IT WAS A TEXT FROM CHASE BANK. IT STATED WE DECLINED {$1400.00} WITH CARD ENDING IN XXXX AT XXXX TEXAS. WAS THIS YOU? WE IMMEDIATELY TEXTED BACK NO. 

I LOOKED INTO MY BANK ACCOUNT AND I DID SEE ANOTHER CHARGE FROM XXXX TEXAS FOR THE AMOUNT OF {$560.00} THAT WAS PENDING. SO I CALLED CHASE THAT MORNING ON XXXX AND TOLD THEM THE PENDING AMOUNT WAS ALSO FRAUD. 

CHASE OPENED AN INVESTIGATION AND GAVE US BACK THE {$560.00} TEMPORARILY. 

I THOUGHT THIS ALL WAS HANDLED UNTIL YESTERDAY XXXXXXXX  WHEN THEY TOOK BACK THE AMOUNT OF {$560.00}. 

WHEN I SAW THAT I WENT STRAIGHT INTO THE LOCAL CHASE BRANCH ON XXXX XXXX AND XXXX XXXX. I WAS TOLD THAT MY CASE WAS DENIED BECASUE XXXX HAS EVEIDENCE THAT MY WIFE AND I PURCHSED THE TICKETS AND WERE AT THE PARK THAT DAY ON XXXX. 

I ASKED FOR THE EVIDENCE AND WAS TOLD TO CONTACT XXXX. THAT WAS 2 HRS I WISH I HAD BACK BECAUSE XXXX COULD'T FIND ANYTHING FOR ME. 

I ESCALTED THIS WITH CHASE AND THEY SAID MY CASE WAS CLOSED. 

I HAVE VIDEO EVIDENCE AND A PAPER TRAIL THAT BOTH MY WIFE AND I WERE IN ARIZONA ON XXXX. THAT DAY WAS ALSO MY XXXX OLD SONS FIRST DAY OF SCHOOL. WHICH MY WIFE TOOK HIM AND PICKED HIM UP. AND I WAS AT WORK THAT DAY AS WELL. 

WE HAVE NEVER EVEN BEEN TO TEXAS. AND WE WOULD NEVER BUY XXXX TICKETS. WE PERONALLY DON'T BELIEVE IN ORCAS IN CAPTIVITY. 

THANK YOU FOR YOUR HELP ON THIS, I DON'T KNOW WHAT ELSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # XXXX revolving account # XXXXXXXX XXXX installment account # XXXXXXXX XXXX Installment account # XXXX XXXX  Unsecured Loan account # XXXX, XXXXXXXX XXXX XXXX revolving account # XXXX I looked at my all three bureau credit report on Date : XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: VA

Complaint narrative:
Where is my missing FHA mortgage payment history for XXXX XXXX XXXX and XXXX. I paid thousands of dollars of on-time FHA mortgage payments for those years, and my money ( XXXX XXXX XXXX XXXX XXXX ) IS NOT recorded. The history of thousands of dollars is missing. Where is my money? I paid my FHA mortgage on time for years with no missed payments. I expect for all of my thousands of dollars of payments to be recorded on time accurately. This is my Equifax credit report which takes my monthly payments and calculates it into my credit score. Stop illegally cheating me out of my excellent mortgage payment history on my credit reports and credit scores. This is the last time that I will ask. I can only take this higher. 
This is my right under the federal legislation, The FAIR CREDIT REPORTING ACT, 15 U.S.C. s. 1681 et seq.. This is also my right as an on-time mortgage, paying homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a vehicle loan with Wells Fargo between XXXX. We paid unnecessary fees and over paid on interest. We were not given our refund from the class action suite . Our email has changed since the time of our 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Starting in XXXX Navient spammed me with multiple calls a day to pressure me into consolidating with them promising it would be easier to handle my loans and that they could help put me on repayment with no fees. I finally agreed and once Navient had me they were often very short with me and gave me limited options and even told me that there was no penalty for putting loans into deferment on multiple calls they told me it was the best option and very easy. I now realize that it was not and that the loans continued gaining interest ( fact that they either omitted ). I attempted to contact Navient but my loan had already been transferred to my new loan servicer ( without my consent ). If I had been given full information I would have most likely made different decisions and my loan balance would be significantly smaller, a portion of it would have even been gone as one of the lenders went out of business. Navient was deceptive or dismissive and also predatory with the amount of times they contacted me and has made repayment difficult. I even mentioned to many reps that I was on a XXXX  leave and they continued to call and pressure me to consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TrueAccord Corp.
State: TX

Complaint narrative:
I do not have any contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.

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 2024-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I recieved numerous calls yesterday and told them to go ahead and debit my account like they said they would. I said please stop calling my cell and my work phones as I was busy working. They continued to call an additional 4 times that day ( Friday the XXXX of XXXX ) and called again Saturday the XXXX. I let them know that It was the wrong number as I no longer had business to discuss with them as they have all the necessary information to collect the funds and they refused to stop calling and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I found that I have been a victim of iIdentity breach. My social and account info was being sold on the dark web. They attempted many times to get a credit card from ; Capital One bank on these dates. they tried 3 times. 

XXXX XXXX XXXX I have asked both the Capital One bank and the reporting agencies. I am complaining about XXXX they wont delete them from my credit report. they said to complain to Consumer Finance. The othe credit reporting agencies have deleted the fraudulent hard `inquiries Please remove these items from my credit. 

I am requesting that this item be fully investigated under your statutory obligation as outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies promptly investigate disputed items and remove any inaccuracies. Delete Now. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had almost {$800.00} in cash back rewards on my capital one shopping rewards app. I redeemed several gift cards before that and they closed my account down took the rest of my cash back. They claim they have reason to believe I sold the gift cards. Which is not true. I got proof that I used every gift card I redeemed. I want my account back so I can redeem the rest of my cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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 Help Financial, LLC
State: MA

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS. NEVER USED THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXXXXXX XXXX and their outsourced collection agency was unable to help. In XXXX of 2024, XXXXXXXX XXXX removed my delinquent account from Experian reporting, causing my XXXX XXXX to increase however, in XX/XX/year>, XXXX XXXX  began reporting the account again ; however, the reporting shows in a way that the account was recently reported as a charge off in XXXX, with no account history. This has now caused my credit score to drop XXXX points and my rating of " good '' is now " fair. '' My score was just over XXXX and is now in the XXXX due to XXXXXXXX XXXX inappropriately reporting, removing the account, and then re-reporting just one month later. I asked XXXXXXXX XXXX recovery team to explain what happened. They would not give me information and advised to file a dispute with Experian. I feel that route will only be adverse and not helpful. Since the charge off has occurred, I have been making ontime monthly payments with the collection agency for the last XXXX years or more ; however, the information being reported continues to negatively impact me.

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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
For about a month, I have been getting repeated calls from XXXX in an attempt to collect a date. 

Call Log as follows : XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX Answered, I asked them to stop calling, I was told that their business practices allow them to keep calling to which I replied that Colorado state law supersedes any and all business practices that might be allowed in other states or otherwise. I blocked this specific number XXXX XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> a fake process server came to my home. My husband answered the door. The process server asked if I lived there and then gave my husband the fake summons and left. 

I noticed the summons was fake because there is no index number from a court on it, and it is only stamped received with a store-bought looking stamp. At the bottom of the summons, it says this communication is from a debt collector, and this attempt to collect a debt.

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 2024-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist sent me a letter but the font is very small and I can't read it. I tried calling Truist, but they deny all knowledge of the letter. I took the letter to the bank in person and they told me it indicates that I have an account that was not fully closed ( as I requested more than a year ago ). However, they are not able to assist with it. Truist gave me all kinds of problems closing the accounts last year and are still refusing to close this last one.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was one day late on the following cards because I have been moving from one city to another. The fees exceed the {$8.00} dollar amount for being late that I should be paying. They have called my phone over 500 times being not even a month late. 

XXXX XXXX XXXXXX/XX/year> LATE FEE {$29.00} XXXX XXXX XXXXXX/XX/year> LATE FEE {$29.00} -- -- -- -- -- -- -- -- -- -- -- -- {$58.00} dollars in fee just a single day late. 

Capital One PAST DUE FEE Fee ... XXXX {$25.00} PAST DUE FEE Fee ... XXXX {$25.00} PAST DUE FEE Fee ... XXXX {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- - {$78.00} dollars in late fees from Capital One ( A single day late. ) XXXXXXXX XXXX XXXX  XX/XX/year> LATE FEE Fee {$29.00} Milestone XX/XX/year> PREVIOUS CYCLE LATE FEE Adjustment {$29.00} XXXX  XX/XX/year> PREVIOUS CYCLE LATE FEE Adjustment {$29.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX - {$87.00} dollars in late fees not even a month late Total in Late Fees : {$220.00} - Not even 30 days late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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: IN

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Several attempts over last few weeks to set a thaw. Always returns error message " Sorry, we're having trouble showing the status of your credit freeze right now '' Wait time to speak with an agent is extensive. 

You already sued them for this stuff, why is it not fixed? 

Already have a login and a secret code for doing thaws so this should not be an issue.

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 2024-09-14 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: OH

Complaint narrative:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate. and false information consists of a a person XXXX XXXX XXXX XXXX XXXXpened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX  on XXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX  to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recoanize the atorementioned accounts. collections. or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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