vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: MD

Complaint narrative:
I have inquiries on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have tried to dispute this alleged debt with this company. Tower Loan refused to accept mail from me. I sent mail to the same address that they sent me mail from. Tower Loan continues to harass me about an alleged debt. Tower Loan continues to contact other people about this alleged debt. I am being harassed and I cant sleep at night. I am being emotionally abused. I have asked for documentary evidence of the alleged debt. None has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: TX

Complaint narrative:
XXXX XXXX did not provide me with a contract, a copy of my license or my social security number to prove this fraudulent account belongs to me. This account is reporting as a NEW CHARGE OFF and it is not accurate

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a Chase credit card on XX/XX/2023 and got denied. I have the right to credit. Withholding my access to my securities is security fraud, you are violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit, please retract my application. Thank you XXXX, XXXX XXXX Attorney in fact for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a new issue with Wells Fargo Bank. A refund ( {$210.00} ) from XXXX XXXX has disappeared from my account. The phone banker ( XXXX ) said, " They are aware of the problem, and it would be resolved today '' ... that was at XXXXXXXX XXXX. It is now XXXX XXXX and the funds have not been returned to my account. The phone banker also blamed XXXX and the merchant ( XXXX XXXX ), not the WF system. In XXXX days, {$710.00} have disappeared from my checking account, and no one at WF can fix the problem.

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid my bill every month on time!! And I get a late fee every month!! I call every time to get it taken off and get no where!! Ive paid late fees just to pay my account anyway!! The people I have spoken to never get anything accomplished with my complaint!! I closed the account due to this reason and they said they cant take off the final late fee because account is closed!! Its closed because this company is a scam!!!! No other credit card doesnt receive an online payment late but this scam Caesars rewards credit card!!! This is a scam company and I will continue to get a late fee even though my account was paid in full with a previous late fee!!! I cant say it enough but this company should be sued for scamming people who pay their bill!!! I just want this account XXXX balance!!!!!!!!!!! Its already closed and Im not paying for a late fee that I was not late paying

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Notice to NAVY FEDERAL FINANCIAL GROUP that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. As well as filing my complaint and summons next week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: FL

Complaint narrative:
This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX XXXX XXXX XXXX would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened an account with TD Bank and set up my Direct deposit. Before I got my direct deposit, I had 2 transactions. The first was me cashing out on XXXX XXXX, and sending the funds to my mother XXXX XXXX through XXXX. The next was my mother sending me {$1000.00} Through XXXX  and me attempting to add it to my XXXX. The payment was declined and the following day my account was closed. Now i can not open another checking account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Urgent Attention Required for Compromised Account and Legal Matter Dear Bank of America Customer Service and Risk Team , I hope this letter finds you well. I am writing to bring to your immediate attention a matter of great concern regarding my accounts held with Bank of America under my credentials. I recently discovered that my accounts have been compromised, leading to unexpected issues that require urgent resolution. 

I want to emphasize that I have not provided any sensitive information that could have led to this compromise. As per banking regulations, I understand that banks are not authorized to close accounts solely based on an individual 's inability to comply with the data breach and scamming system. 

It is with regret that I inform you that, due to these unforeseen circumstances and what appears to be a breach of proper bank protocols, I feel compelled to pursue legal action. According to my understanding of the situation, Bank of America and XXXX XXXX XXXX may be liable for damages resulting from this incident. 

I have consulted with legal counsel, and we are prepared to file a lawsuit seeking compensation in the amount of {$3.00} XXXX to cover the losses incurred and the distress caused by this situation. 

I sincerely hope that we can resolve this matter amicably and promptly. I am more than willing to cooperate fully in any investigation to identify the source of this compromise and to strengthen security measures to prevent such incidents in the future. 

I kindly request that you treat this matter with the urgency it deserves and initiate the necessary steps to address the security breach and prevent any further unauthorized access to my accounts. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: TX

Complaint narrative:
FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries 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 2023-10-07 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: TX

Complaint narrative:
FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be.

deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NM

Complaint narrative:
While I was asleep at XXXX in the morning on XX/XX/XXXX my chime bank accounts were hacked. All of my checking was gone and savings and they opened up a credit card in my name. They put thousands of dollars from my savings onto the credit card and spent it all. They gave me my checking account back within a few days however its been over XXXX months that Ive disputed it numerous times and done rebuttals. I sent them an email of how I got text messages when the hackers changed my phone number on the account. All of the charges for XXXX were in the middle of the night and all of the ones that were on the credit card that the hackers opened were all to XXXX name via XXXX XXXX. I do not have XXXX XXXX and I do not know the person that all the transactions were to. I have been fighting for months now to have them get the money back and close the credit card and put the money back into my savings account that was stolen from me. I have no idea how they arent able to see it was obvious fraud there are so many red flags and Ive provided them with additional information and screen shots showing the hackers changing my account info. I am now in my third rebuttal with them and still from any of the previous ones have I gotten any documentation as to why they arent resolving this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2023-10-07 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 2023-10-07 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: MI

Complaint narrative:
I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.

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 2023-10-07 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: MI

Complaint narrative:
I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is a negative claim reported by XXXX XXXX XXXX XXXX XXXX XXXX  account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I applied for the HAF program referred by my loan service provider while under forbearance during XXXX and waiting for a decision on my repayment plan. The XXXX program sent me a response stating they sent several messages to the loan service provider and havent received a response and then I received an email that the HAF program stated my applications was deny due to I wasnt in default and then I received a call from my loan service provider stated I was approved for the repayment plan and then also responded to the XXXX  program and this being my first experience really dont understand the process aggreed the the repayment plan thinking I was deny and was afraid I would lose my first home and to think my Loan service provider had my interest in mind and find out later on a repayment plan had tripled what I originally had

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My Wells Fargo credit card was charged {$1500.00} on XX/XX/2023 for XXXX Web services. I was initially contacted by the company via text message for possible fraud. I initially did not respond because I thought this may have been a phishing attempt, but when I noticed the charge on my statement I immediately contacted the company, perhaps only a day later and initiated a fraud claim. They issued me a new credit card, however, the charge was posted to my new credit card and I never received a credit for the amount that was fraudulently charged to me that I had paid when I paid off the balance on the account.

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