vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> - FRAUD REPORTED TO BANK OF AMERICA. 
CALL MADE FROM XXXX XXXX XXXX, XXXX XXXX, CA. 
XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT CLOSED. AT THE TIME, THE ACCOUNT HAD A NEGATIVE BALANCE OF {$17.00}. I HAD PAID THE YEARLY FEE OF {$95.00}. 

DURING THE PHONE CONVERSATION ON XX/XX/year>, BANK OF AMERICA REPRESENTATIVE, XXXX XXXX, INFORMED ME THAT MY ACCOUNT WAS CLOSED AND I WOULD RECEIVE A REFUND CHECK VIA XXXX. 

XXXX  MONTHS LATER -- XX/XX/year>, I RECEIVED A LETTER VIA XXXX THAT MY ACCOUNT WAS OVERDUE. I HAD NOT RECEIVED ANY CORRESPONDENCE BEFORE THAT TIME AND HAD BEEN TOLD THAT MY ACCOUNT WAS CLOSED. I DID NOT FREEZE THE ACCOUNT BECAUSE THE HACKER WOULD HAVE DRAINED THE ACCOUNT - HE HAD ALL MY INFORMATION - POSSIBLY A PHONE CLONE BY 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 monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent a debt collection verification letter to Portfolios office on XX/XX/year>, as per my rights under the Fair Debt Collection Practices Act. In that letter, I requested verification of the debt, including proof of ownership and a copy of the identification used to incur this debt. As of today, I have not received any documentation or sufficient verification of the debt they claim I owe. Under the Fair Debt Collection Practices Act, I am entitled to request and receive verification of any debt being collected against me. To date, they have failed to provide this verification. Therefore, I request that they remove all files reported concerning the debt. Below is what I requested : 1. A detailed breakdown of the debt, including dates and amounts. 2. Proof that I own the debt or legal authority to collect on it. 3. A copy of the identification that was used to create this debt. I ask that they remove this debt from my records and cease any further collection attempts against me. Thank you for your attention to this matter XXXX {$930.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
received this card on and/or around XXXX attempted to activate the card and use in store. was unsuccessful to activate the card online, called and tried to activate the card. the employees kept harassing me about knowledge of transactions. I informed them I have no recollection, I have been focused on my health. they refused to activate the card. to my knowledge I haven't made any purchases on the card and the harassment received by the employees I do not desire to have this card as this affects my health. 
XXXX veteran protected class member as a result of the harassment and discrimination I do not feel safe to speak with their employees. 

I am still traumatized by this experiene. I tried to do this via dispute with XXXX. after applying for an apartment I see that this was not settled and may impact me as I am still a XXXX veteran homeless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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:
I reviewed a copy of my credit report from XXXX Experian & XXXX I noticed a account that I have no knowledge of I filed a police report with my police station I filed a FTC report and a letter validating my complaint I also submitted proper identification The credit bureaus failed to do a proper investigation and they continue to validate 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
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, my phone, email, social media, bank card and credit cards were hacked. The hacker assumed my identity on multiple platforms. I called Wells Fargo immediately to cancel my bank card and start a fraud claim for XXXX XXXX charges. XXXX charge for XXXX, another for XXXX. I also called XXXX the same day to inform them of the fraud/hack. I was instructed to change my XXXX XXXX  immediately, which I did ( XXXX Case No. XXXX ). XXXX XXXX XXXX XXXX later confirmed the suspicious activity on XXXX  end. XXXX also indicated the charges have been charged back by Wells Fargo. Well Fargo denied my claim and stated I authorized the charges ( first claim No. XXXX ). XXXX was including items in my claim that were not a part of the fraud. I spoke with about XXXX different people who gave me XXXX different answers as to why my claim was denied. I then spoke with XXXX in the XXXX XXXX on XX/XX/year> who confirmed the first investigation had multiple errors. XXXX confirmed the items were charged back. XXXX filed a new claim on my behalf ( Claim No XXXX ) and said a special department would be handling the new claim due to all of the previous errors. I called Wells Fargo on XX/XX/XXXX to get the status, as we were past the 10 day investigation period. I was again informed my claim was denied because I authorized the charges. For the XXXX time I explained I was hacked. The person I spoke with didnt see any of the previous notes indicating the same- he kept repeating Wells Fargo wasnt hacked, I was. I did NOT authorize XXXX charges totaling XXXX. Wells Fargo continues to deny my claim and ignore the fact someone hacked my phone, social media, emails, bank card and credit card. I dont understand how XXXX can confirm the fraud but Wells Fargo can not.

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 monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital one has sent multiple letters with someone elses account info on them there not mine I disputed it and got nothing but internet copies from someone elses account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sat down with a chase specialist at the branch. I explained I had a collection on my credit history. Explained I didnt want to do a credit card inquiry if I had a chance of not being approved based on the info given to him. 
I supplied him with info regarding my income and credit score to better gauge the situation before applying. 
He explained that he couldnt tell me unless he did a credit pull. 
I felt pressured by the way he kept pushing the agenda. Which was very nerve racking and stressful. 
He said I should have nothing to worry about. So I caved and did the credit check. 
My application was denied for the credit card that he recommended. I wanted to apply for a different card but he said I shouldnt apply for that one. 
I feel like I wasted a credit inquiry/hit for a card I didnt even want bc I was pressured. 
Then above that they denied me stating that I had never done business with them. Very frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NY

Complaint narrative:
I have come to the understanding that some account that is on my credit report that is not mines and I would like these accounts removed so my credit report can report the correct information ACCOUNT 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 I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

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 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a victim of an issue with my Navy Federal Credit Union account. Specifically, there was money in my account that did not reflect properly, leading to inaccurate balances. Despite the funds being present, the system falsely processed transactions as if the account was overdrawn, resulting in overdraft fees. 

I contacted Navy Federal regarding this issue, but instead of resolving it, they closed my account. This has caused significant inconvenience and financial stress. 

The issue occurred on or around [ insert specific dates ], involving [ insert specific amounts if known, e.g., the deposit or overdraft fee amounts ]. I took action by [ explain what you did, such as contacting customer service or filing a dispute ]. Despite my efforts, the situation was not resolved fairly. 

I am requesting a review of this matter, a refund of any unwarranted overdraft fees, and an explanation for the account closure. 

Thank you for addressing this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company Keep send me letter saying that i owe them Money when I have never signed an agreement with them. This dept looks to be from Wells Fargo. I never gave Wells fargo permission to sell my personal information to any one. This is the XXXX letter from XXXX in which they have not said how they retained my information from Wells Fargo. They have also failed to show my signature, account information. only to send letters saying that i owe them.

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 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These items were purchased by a third-party debt collector. These accounts must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by the third-party debt collector. As you can see by my attached supporting documentation and highlighted issues. This information is NOT CORRECT & NOT ACCURSTE. There for it must be DELETED IMMEDIATELY. 
Ive disputed these item multiple times and I never receive any information or change to my credit report. The result would show as Not Changed : Disputed information was verified as accurate. Which this is not correct. According to the FCRA, companies promise to report information that is accurate and complete and none of this is accurate, complete, or fair. 
Here is the account name and number for reference and incorrect amount also. 

CREDITOR : 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 : {$290.00} How much did the collection companies pay for this item? I dont know neither does my credit report reflect this amount. This a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
I am not working with ANY CREDIT REPAIR COMPANY. For verification I have attached my license and a bill for proof. Please do not send me a standard INFORMATION VERIFIED EMAIL or LETTER. I am not asking for verification but showing you exactly what has been wrong after reportng multple times.

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 2024-11-17 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-17 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-17 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-17 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-17 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: NY

Complaint narrative:
XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EXPERIAN 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XX/XX/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 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 explanation
Consumer complaint received 2024-11-17 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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