vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is JPMCB - CARD SERVICE with XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1200.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: TX

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX with account number XXXX. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$1200.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have this fraudulent XXXX XXXX credit card Account number XXXX removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and experian have been unwilling to remove it from my credit history. This fraudulent account is negatively impacting my credit score. This incident occurred as a result of my car being stolen with my personal documentation in it, which led to identity theft. 

Remove this account from my experian 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 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
Applied for SAVE repayment plan in XXXX. Mohela cancelled request and put me on standard repayments. They sent a bill for {$390.00}. I tried calling and was hung up on by a customer service rep after holding for over 2 hours. I reapplied for SAVE, it has now been approved but they have not adjusted the payment amount. My account still shows {$390.00} due for the next payment. Even though the SAVE program dropped my payments down to {$84.00}. Mohela refuses to adjust my account correctly. Ive tried calling, Ive send them secure messages on their website and I dont get a response. I dont know what else to do other than seek legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had account checking with TD bank and because mi ID expired clise my account and I dont have any access to my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
Every month, I pay more than the minimum payment on my card ( in smaller payments that add up to more of the minimum ) and every month, I am charged a late fee. I called and complained about it once and they told me it was something to do with the timing of my payments and took some fees off. I changed up the timing of the payments per their suggestion and I STILL get charged a late fee. 

Regardless of the timing of my payments, if the statement shows that I paid more than the minimum in the month that the statement is showing, I should not be charged a late fee. This weird " cut off '' is both hard to understand and seems like a way to trick people into getting late fees. 

I've attached my XXXX statement showing my minimum payment for XXXX was {$83.00}. I've attached the XXXX statement showing that I paid {$120.00} during that month and was still charged a {$41.00} late fee. It looks like they basically don't count XXXX of the {$50.00} payments towards the total payment for the month because of the " timing '' but that should not be the case, If the {$50.00} from XX/XX/29 isn't going to " count '' because of " timing '' than the {$50.00} from XXXX, should have. 

If the minimum is paid in a billing cycle, it should not incur a late fee. XXXX. How have they been getting away with this and how many thousands of dollars have they bilked from people this way????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX. XXXX Spoke to XXXX , she informed me she would mail out a form for me to fill out & then she would ensure account was deleted for identity fraud. 

XXXX XXXX I called to follow up and spoke to supervisor and he informed me account was sold to XXXX XXXX XX/XX/XXXX. 

I informed him that it was not my account.

I then was told I needed to call this company and have them delete it.

I spoke with the company, they told me they would delete it, but account is still reporting to all credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is COMENITYBANK with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$0.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Self Financial Inc.
State: VA

Complaint narrative:
The card is non usable based on the investigation of fraud. Approximately XXXX XXXX it was a charge for XXXX dollars for flawless beauty. I never made the charge or authorized this charge it was charged when I made the appointment which was made simultaneously for the same day. I want to CLOSE the entire account. I have had nothing but issues with his card and and company. I have no way to contact the merchant nor did I receive any services from the merchant in which they charged. I never contacted the merchant via email and no place to attend for the service and i even tried to reach out via telephone no telephone number or anything. This is why I reported it as fraud. But the Self is not resolving this issue aside from other issues in which they are not resolving I try to contact them because I can not purchase and this is when I am told the card is not working because of fraud but they would not send another card. I just want to refund the charge and close the account I have experienced nothing but a headache in dealing with them and no longer want t ordeal with them It is so difficult to communicate with them between the weekend and business hours and speaking with someone to resolve m y issue of the charge it is not worth it for the astronomical interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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:
I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXXXXXX with account number XXXX Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1500.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been trying to get business funding but TransUnion and XXXX have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over XXXX  a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on 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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been trying to get business funding but XXXX and Equifax have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over half a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
If you review the attached records, I have been paying these credit purchases off before the cycle closed and am still being billed financial charges on purchases that I have paid off in full and before the ending cycle date or closing date.

I have attempted to discuss this with the customer service representatives and they seem not to be able to add the payments over the last three-month period and look at the purchases and see and understand that the payments have always been more than the purchases and they still charge me financial charges. If I have paid you {$2900.00} one month against a balance of {$3000.00} does not give you such rights to charge me for the entire purchases that I have paid off before the cycle closes or even if the cycle closes, I still should not be charged financial charges for the complete purchases made. 

The previous month, I paid you {$4000.00} against purchases made for that month totaling {$3000.00} and you still charged me financial charges combined the two together and you have been paid a total of {$6900.00} on purchases in the amount of {$6000.00} and you still charge me financial charges. When I have paid such account overage in the amount of {$980.00}. 

This just does not add up. 

I need a full review and refund of my interest charged back to my account or I will have to cease doing any kind of business like this. 

This is intentionally robbing the customer in hope that such is not noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has opened fraudulent checking accounts in my name at least XXXX times over the past 14 months, despite my placing a security freeze through XXXX and freezing my credit through the three major credit reporting agencies. I have contacted BOA every time they open an account in my name and although it gets closed, the same thing happens all over again within a few months or even days. 

XX/XX/XXXX Received email that Bank of America opened a checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received letter from Bank of America in response to my reporting fraud requiring me to fax them the following information to prove that I did NOT open the # XXXX checking account : copy of my drivers license, copy of my Social Security card, copy of police reports, copies of documents received for the account in question, etc. I faxed them seven pages of documentation from XXXX of their branches to prove that I DIDNT open the account. Its clear that nothing near this level of documentation was required for anyone actually opened an account in my name. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received confirmation from XXXX that per my request a security freeze was placed on my consumer file. I had also reported this to the XXXX major credit bureaus. 

XX/XX/XXXX Received letter from Bank of America notifying me that the # XXXX account was being closed because they could not verify my identity. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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:
I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX. XXXXXXXX XXXX XXXX with no account number and a balance of {$260.00}. Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with explanation