vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In the past XXXX ( XX/XX/year> ) TD bank has posted a certain charge on my account out of nothing, it was not related to any XXXX product I purchased previously. 
And I tried to dispute this transaction but TD bank refused to remove this amount from my account and I still paying this amount on payments. 

The amount was {$480.00} on XXXX 's statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I contacted Chase XX/XX/XXXX because I noticed a pending charge from XXXX again this has been the fourth time. I didn't make this transaction, I was told several companies have my card number in a digital wallet through XXXX pay I don't use or know anything about this. Come to find out any bill I pay with my debit card the company can automatically save it in XXXX pay/digital card. The only suggestion from Chase is cancel my card and get a new one. I have auto pay on some bills pending and that means I would be in default for my schedule payments. Chase is telling me I need to call the companies and straighten out the default and late fees when I get my new card in XXXX to 10 days. In the meantime they are going to pay the {$99.00} unauthorized XXXX and leave me little to no money. I believe this is widespread corruption from companies that automatically save my card number with XXXX pay platform that can be hacked by XXXX or whoever. The true identity is never known by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I borrowed {$XXXX} on XXXX XXXX from Titlemax XXXX Texas XXXX Inc. D/B/A Titlemax.My car title is attached as a surety in XXXX XXXXXXXX XXXX  On XXXX XXXX, I made a payment of {$XXXX} which was credited to my account after receiving several threatening and verbally abusive calls with an intent to repossess my car from employees of Titlemax. I used my car to make income generating deliveries.However, my car developed a transmission ( CVT ) mechanical problem making it barely drivable as a consequence ending my delivery job. I am in a situation of lack of income. Currently, I am on the State of XXXX  wait list for regular employment opportunities and I am working with the XXXX  XXXX XXXX on modalities of going back to regular employment as soon as an opportunity opens up. 

I have explained the above situation to Titlemax representatives and told them to stop calling me with threats to reposes my car, but they can not stop. The loan agreement had given me till XXXX XXXX to repay the title loan from Titlemax. I hereby urge Titlemax to detest from threatening me with repossession of my car. Looking forward to much needed assistance on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant FCRA 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 two secure credit cards opened at XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XXXXunder the account number ( XXXX ), a furniture loan at XXXX XXXX XXXX Simple on XXXXunder the account number ( XXXX ), and a collections account at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1500.00}, that appears to be related to XXXX mobile phone company. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the 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 recognize the aforementioned accounts, collections, or inquires as reported. The aforementioned accounts, collections, and inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft and fraud ( XXXX ). I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aformentioned accounts, collections, and inquiries 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
Consumer complaint received 2024-12-21 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant FCRA that you, the XXXX 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 two secure credit cards opened at XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XXXXunder the account number ( XXXX ), a furniture loan at XXXX XXXX XXXX XXXX  on XXXX XXXX account number ( XXXX ), and a collections account at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1500.00}, that appears to be related to XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the 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 recognize the aforementioned accounts, collections, or inquires as reported. The aforementioned accounts, collections, and inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft and fraud ( XXXX ). I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aformentioned accounts, collections, and inquiries the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a payment and it was returned then they charged me late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I WAS IN XXXX XXXX AT THE TIME OF THE IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

DEPARTMENT OF EDUCATION ACCOUNT : XXXX AMOUNT {$500.00} DEPARTMENT OF EDUCATION ACCT # XXXX AMOUNT XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT # XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WAS IN XXXX XXXX AT THE TIME OF THE IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

DEPARTMENT OF EDUCATION ACCOUNT : XXXX AMOUNT {$500.00} DEPARTMENT OF EDUCATION ACCT # XXXX AMOUNT XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT # XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was constantly told over & over by Chime that if I opened a XXXX XXXX Account it does not Do A Hard PULL on your Credit! Then upon opening the Credit Builder Account with Chime like I have with other Companies this is the only1 " 13Days Later I Received A NOTIFICATION FROM XXXX XXXX AND XXXX THAT MY CREDIT SCORE HAD DECREASED TREMENDOUSLY BY ALMOST XXXX POINTS! XXXX POINT DECREASE TO BE EXACT I INSTANTLY CONTACTED CHIME CREDIT BUILDER ACCOUNT CUSTOMER SERVICE FOR A ENTIRE WEEK I HAVE BEEN GIVING THE RUN AROUND THEY PUT ME ON HOLD LEAVE ME IN THE CUE WITH EXTREMELY LOUD MUSIC NEVER PICK BACK UP! I HANG UP CALL BACK I WAS TOLD THAT THERE HAD TO BE A MISTAKE AN THEY WERE GOING TO CORRECT IT AN CALL ME BACK IN 48 HOURS! 4DAYS LATER I RECEIVED NO CALL NO EMAIL NOTHING! THEN I CALL BACK ASK FOR A SUPERVISOR SHE PLAYED THE SAME GAMES LEFT ME ON HOLD ADMITTED IT SHOULDNT HAVE DID AMYTHING TO MY CREDIT IN 2WKS I NEVER GOT TO USE THIS CARD I PUT XXXX XXXX IN THE ACCOUNT AN SPENT XXXX XXXX  TO MAKE SURE THE CARD WAS ACTIVE NEXT THING I NO MY CREDIT SCORE DECREASED XXXX POINTS IN 2/3WKS SO LOW I HAVE WENT INTO A XXXX!!! IT TOOK ME 4YRS TO GET MY SCORE TO GO UP XXXX POINTS THIS IS FRAUD ITS ALSO A SCAM TO GET PEOPLE TO SIGN UP THEN THEY KEEP LYING EVERYTIME I CALL NO ONE WANTS TO DO THEIR JOB '' EVERYBODY TREAT ME LIKE THIS IS A JOKE I AM SUPPOSED TO BE LEASING A VEHICLE AN MOVING SOON THIS HAS EFFECTED MY LIFE IN WAYS NOBODY WOULD UNDERSTAND AND ITS NOT LEGAL ITS FALSE CREDIT REPORTING HOW DO YOUR SCORE GO DOWN IN LESS THAN 30 DAYS 50 POINTS JUST BY OPENING A NEW CHIME XXXX XXXX ACCOUNT?? THEN THEY PLAY ALL PHONE GAMES NEVER HELPED ME JUST KP LEAVING ME ON HOLD DONT EMAIL DONT CALL WONT COREECT THE LIE A SUPERVISOR JUST LIED LIKE SHE WAS CORRECTING IT LEFT ME ON HOLD 20MINS KEPT COMING BK IN THE CUE TO SEE IF I HING UP THEN BLAST THE MUSIC BK IN YOUR EAR WHILE LEAVING ME ON HOLD 20MINS TO NEVER COME BACK ON THE LINE AFTER I WAS TRANSFERRED 2TIMES TO EVEN GET A HIGHER DEPARTMENT THEY REPORTED SOMETHING FALSE FOR MY CREDIT TO GO DOWN XXXX POINTS IN LESS THAN 30DAYS IS FRAUD!!! PLEASE HELP THIS COMPANY NEEDS TO BE INVESTIGATED ESPECIALLY THEIR PRACTICES EVERYBODY THAT ANSWER IS FOREIGN YOU BARELY CAN UNDERSTAND THE ENGLISH THEY ARE ALSO NOT PROFESSIONAL PLEASE HELP THIS HAS EFFECTED MY LIFE & ANYTHING I APPLY FOR I WILL BE DENIED NOW BECAUSE OF THIS MAJOR INCREASE ON MY CREDIT SCORE SO PLEASE HELP ME BECAUSE THEY WON'T AND I DONT TRUST THIS COMPANY ANYMORE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4600.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$720.00}, XXXX  Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$68.00}, XXXX XXXX XXXX XXXXXXXX, Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, fingerhut/webbank Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. 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 recognize the aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 Accounts : XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$4600.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}, XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX XXXX  Account # XXXXXXXX date opened XX/XX/XXXX bal. {$720.00}, XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$68.00}, XXXX XXXX XXXX XXXX, Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account XXXX XXXX* date opened XX/XX/XXXX bal. {$0.00}. 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 recognize the aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XXXX I sent by XXXX XXXX payments in the amounts of {$400.00} and {$500.00}. There was a scammer on XXXX pretending to be a business. The entity used a legitimate business and took company logos and created their own. I purchased XXXX items from a fake company who wanted payment by apps and XXXX was XXXX of them. Unfortunately I found out the person was an imposter and stole my money and I did not receive any items. I discovered the photos of the items were taken from legitimate businesses on XXXX and XXXX XXXX XXXX  XXXX photo search provided this information. XXXX has no mechanism for fraud and once you send money it is gone. I would like to get a refund of {$900.00} because XXXX enables fraudulent actors to victimize consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I called Navy Federal to stop payments on some charges. Navy Federal said it would be smarter to open another account and close the current one. I then opened the account after they ensured that all debits would be transferred to the new account for 45 days. I began to see that all charges that came into the account were being transferred to the new account. I called Thursday and Friday to ensure that my Medicaid ( State of Maryland ) deposit would clear. They ensured it would be transferred. After my call at XXXX on Saturday, I was told that they refunded the check back to Medicaid ( State of Maryland ), and my account is at an all-time low. Since Medicaid sends out checks every Thursday, this puts my business behind and damages our operations and payroll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I WAS IN XXXX XXXX  AT THE TIME OF THE IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

DEPARTMENT OF EDUCATION ACCOUNT : XXXX AMOUNT {$500.00} DEPARTMENT OF EDUCATION ACCT # XXXX AMOUNT XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT # XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT {$3000.00}

Company response to consumer: Closed with explanation