vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
REGIONS BANK : Back in XX/XX/year>, accounts were opened under my name ( however, my real middle name and last name were hyphenated ) without my consent. I only learned about this when I received mail to my home address with a debit card and information on my new account. I immediately went to a local branch and notified them that I did not open an account and they had me fill out a packet where I gave my information so they could confirm my identity and close out the fraudulent account. This also happened at 2 other banks, and after learning about the alarming identity theft I took all precautions- filing a police report, notifying credit bureaus, locking my SSN, placing an alert on XXXX, making an Identity Defense account, among many other things to make my current accounts more secure. 

This happened AGAIN in XX/XX/year> with the same exact bank that is aware of my identity theft issues. I am extremely frustrated that the proper protocol is not in place to prevent this from happening again to the same exact person. Keep in mind... the name the Identity Thief used was not even my correct name! There should be a permanent fraud alert on my SSN and all information when it comes to Regions Bank. My information has been compromised even further due to Regions bank... 

Even other banks ( such as XXXX XXXX ) declined accounts being opened because they did the proper background checking prior to approving an account. With all my precautions put into place and having this already happen at Regions Bank, there is absolutely no reason I should be having to worry about it happen at the SAME EXACT 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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX the XXXX, my CHIME debit card was stolen from XXXX gas station... I called the same day to report my card stolen... I spoke with a chime representative and they issued another card to wrong address without verifying my information. I have not lived at prior address for 5 yrs .... I than called again to question why I have not received my card, They tell me that they sent the card out after 3 weeks of waiting still no card and can't access any money to pay bills... I called again today XX/XX/year> and still no card .... They are now saying that I have to wait another 3wks for my card to arrive... This type of practice is unethical and has now caused great harm to me paying bills on time and my monthly rent. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information 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 2024-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
See the attached XXXX XXXX & XXXX Notice concerning account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
Im reporting this account on my credit report with XXXX XXXX XXXX SIMPLE. That is reporting on my consumer report. 
I have disputed this account numerous of times and EXPERIAN. EXPERIAN has refused to remove the INACCURATE information from my credit report. I have valid proof that EXPERIAN has violated my consumer rights. I have attached the proof of the dispute showing INACCURATE from EXPERIAN. If the information has been deemed found to be INACCURATE by LAW, It has to DELETED from consumers report. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I exercise my RIGHTS to have these Items DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNTS in 5 business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My XXXX was hacked 3-4 weeks ago ( approx XXXX XX/XX/year> ). This led to a fraudulent purchase which my bank ( XXXX XXXX. XXXX XXXX ) is currently disputing. Ive contacted XXXX several times via phone calls and through emailing their customer pleading with them to cancel my account- they still havent closed my account e en though they said they did. Now, I was informed by XXXX XXXX credit that someone requested a credit card under my name via XXXX ( on XX/XX/XXXX ). Today is XXXX XXXX. I dont know where else to go to stop this - can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am a victim of identity theft. Someone in the state of Texas, which I do not live in is using my name and a previous address from over 15 years ago along with a phone number from XXXX to apply for credit and utilities. I filed a dispute with Equifax, letting them know about the inaccurate collections on my credit report. They failed to remove the inaccurate information from my credit report. The same information was disputed and removed from my XXXX XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of certain information from my credit report, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. 
According to the FCRA, it is illegal to report information on my credit report without my explicit permission. I have reviewed my credit report and found items that I did not authorize, which I believe are not only inaccurate but also detrimental to my credit profile. 
I understand the importance of maintaining accurate credit information, and I take my financial responsibilities seriously. Unauthorized entries can significantly impact my ability to secure credit and may lead to unwarranted financial consequences. Therefore, I kindly request that you investigate this matter thoroughly and remove the unauthorized information from my credit report. 
I appreciate your prompt attention to this issue and look forward to your swift resolution. Please confirm the removal of the disputed items and provide me with an updated copy of my credit report once this action has been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-10-02 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
The loan was co-signed by a ex-fiance (, XXXX ). i paid it down toXXXX. because he helped with other expenses.I fell at work, which caused significant back damage. wasn't paid anything for a year.0ne Main Financial advisor did some adjustment a couple ( 4-6 m ) I paid close toXXXX, but bill stayed the same XXXX meanwhile put XXXX into vehicle due vandalism done by XXXX ex-fianc..I 'm afraid to charge him in civil court. 
My request to loan company is to take ex-fiance off the loan as co-signer. Broken up since XX/XX/2021. There are companies that help me pay the loan but XXXX XXXX want to charge me {$500.00}. to take XXXX off as co-signer. At this time I owe 34 more paymentsXXXX on $ XXXX.on Social security. I need help. The last payment i paid {$100.00}. of XXXX only {$.00} went to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has Violate my rights . I looked at my Experian Credit Report on XX/XX/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 procedures 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A fraudulent transaction took place, i filed a claim with my Bank chase and they ended up reversing it which led to my account being overdrawn in collections. My Employer improperly sent a direct deposit to this account and they refused to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed inaccurate information on my credit report under 15 USC 16c-2, which is negatively affecting my credit score. The inquiries were not authorized by 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 2024-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX : Phone PAYMENT XXXX on XX/XX/XXXX XXXX XXXX A XXXXXXXX XXXX  XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} credit card web payment XXXX XXXX XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} mobile XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} mobile payment web XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WEB XXXX {$1200.00} XXXX. XXXX XXXX XXXX : XXXX payment XXXX web on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$960.00} XXXX. XXXX XXXX XXXX : XXXX payment XXXX web payment on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX {$980.00} XXXX. XXXX XXXX XXXX : XXXX payment XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} online payment web XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$1300.00} mobile payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} I called the fraud hotline and went to Bank of America to formally file the complaint for the second time since XX/XX/XXXX with an OPEN ACTIVE FRAUD CASE started with {$30000.00} down to {$2200.00} as of XX/XX/XXXX due to CONTINUAL fraudulent activity. I am a senior citizen on retirement funds from Social Security only. I requested that they cover my bills Car Insurance, Gas, Lights and Spectrum due to them being on Automatic Deduction/ ( ACH ) this situation of invalid security and privacy status. Each one will be declined account status ONLY DEPOSITS while investigation is conducted. I have no other recourse, and it will be BOA 'S fault as my credit scores DROPS due to their neglect in security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX  XXXX XXXX Also Known As : XXXX XXXX XXXX

Company response to consumer: Closed with explanation