vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a car online from XXXX XXXX in XXXX XXXX Florida. I was given a price that was listed online for XXXX in the end. I had to sign all paperwork in front of a notary as the buyer and then I had a co signer who also needed to sign. He was in a different state at the time. They sent us two different XXXX XXXX to have signed on XX/XX/2023. It was sent to back to them with in a few days. I received the car by a delivery company which I paid for. It was in such bad condition and I was not able to put Gas in the gas in the car because something was broken. The dealership knew this because the car was on empty. I sent them a video right away the same day. I wanted to cancel the contract and send the car back. They said I could not do it because the funding has been finished. I called Capital One and they told me it was a dealer problem. Now... I see Capital One sent me a copy of the buyers order dated XX/XX/XXXX. THis was not my signature or the co signer signature. We did not even get the paperwork by this date. This is fraud. Our paperwork has notarized stamps with our signatures and dated different dates. So this contract I have with Capital One is not legal. The XXXX XXXX committed fraud. I want the contract cancelled. I have been dealing with the dealership since the day I got the car and they have done nothing and have refused to send me the paperwork that I signed. I am attaching the XXXX XXXX document which is fraud. I also never agreed to many of these extra fees. The etching and warranty fees. The dealer fees or signed the last papers attached they sent showing the car was in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: AL

Complaint narrative:
I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good morning I am coming to you regarding the injustice in Bank of America 's card interest charging policy. 

I paid in full the amount owed on one of my credit cards on XX/XX/2024 before the closing date XX/XX/2024 to avoid being charged interest and thus be able to get out of debt, and my surprise is that On the statement they charged me {$100.00} interest charge. 



I called the bank to complain and they informed me that the charge is correct and that I should have called to be told the exact amount I had to pay so that they would not charge me interest. It is absurd since one informs oneself of the amount and pays electronically. 



This policy goes against the consumer who is trying to be financially solvent and will harm the consumer 's family and financial stability. 



I am grateful to consider my claim that thousands of people and families are going through the same situation as me feeling that there is no way to get out of debt.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-03-08 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: TX

Complaint narrative:
There was an affidavit sent to XXXX, Equifax, and XXXX regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: AL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-08 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: AL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: VA

Complaint narrative:
My credit card with Bank of America was automatically paid every month by my checking account with XXXX XXXX. This was set up on the bank of america website. About 2 months ago, Bank of America closed my checking account and notified me of this action. I opened a new checking account with BOA because I wanted to stay enrolled in the preferred rewards program. 

bank of America did NOT notify me that my auto-pay, from XXXX XXXX to the Bank of America credit card XXXX was closed as well. They charged me late fee and interest on the credit card balance.

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 2024-03-08 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:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I'm unfamiliar with this company and any supposed debt they claim I owe. They've repeatedly sent text messages to my phone, and I have several of these messages as evidence of their attempts to contact me. I do not have any outstanding debts with this company. One of the text messages displays a DRS # XXXX. I've uploaded a text message to demonstrate their actions. I want to reiterate that I do not owe any money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported LATE PAYMENTS for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX : The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 
15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/24 I stayed at the XXXX XXXX & I paid {$160.00} + {$12.00} for 1 night. At XXXX I was charged again for another night. I called my bank they refunded 1 charge of {$160.00}. On XX/XX/24 I was charged again for the 1 night. I've been filing disputes with my bank since the XXXX. They continously Dispute incorrect purchaes ; some of which I authorized. I don't want to close the account. I just want my balance to reflect the {$160.00} refund as I didn't authorize charges from The XXXX XXXX. I can make a police report but my employer provided the funds & were hoping this complaint works.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/XXXX got a email from chime Bank saying that XXXX recouped money out of my sons account that passed away on XX/XX/XXXX I was trying to close his account I called XXXX and they did not take any money from him. He was not on XXXX. I asked Chime again what happened the money and asked to send me a copy of the paperwork and now they are not responding to me My son had {$690.00} and {$270.00} in credit builder account. They sent me a check from XXXX XXXX for {$160.00} which I will not cash cause it is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX in attempt to notify of my current XXXX XXXX XXXX movement during my XXXX. I was on restricted movement traveling and had minimal access to phones and internet. I was charged late fees and my credit report was marked with a 30 day delinquency. Ive been trying to resolve this issue and am being told that there is nothing they can although the account is current.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet XXXX  of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a XXXX  maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-08 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:
These inquiries show as deleted on the Equifax letter and still remains on my credit report. I was told by Equifax it was removed but nothing has changed. I have documents from Equifax that shows deleted but they are still on my credit report. Here are the inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I transferred money to my checking instead of my business checking account. To cover a purchase from my vender. Ok simple mistake I transferred money to the wrong account. I switched the money to my negative business checking right away. I called in immediately to get the fees waived. Three of them. At {$36.00} apiece. {$100.00}. I was told theres nothing they can do. Ive talked to managers and bosses. I have talked to my local branch which didnt call me back for four straight days. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc and XXXX. Would not call me back for days. They did not help me in any way shape or form. XXXX told me that XXXX was working on it. When XXXX finally called me back XXXX days later he told me not only there was nothing he could do but he wasnt working on it. And questioned me saying XXXX XXXX say that. Complete lies And they went as far as saying there is absolute nothing they can do. Its the computer system. All I need was somebody to take a common sense approach and look and see what I did and get the fees waived. that is a scam in my opinion. Charged {$100.00} for a simple mistake. they make millions on simple mistakes. Scary

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an application for Chase Freedom Unlimited card submitted around XX/XX/2024. 
Every time I looked up the status, it would tell me to please wait x number of days while my application is being processed. 
I also sent in a message asking them about my app status and they replied back with generic answers and to wait however many days before trying again. 
I checked a couple times a week and now it is XX/XX/XXXX, and the same automated line that was giving me my application status now automatically led me to speak with a live person. 
They told me my application has now expired due to time. They also said if I had spoken to a person instead of the automated system, they could have told me that my application was declined and worked on the reconsideration, but now it is too late. 
I then asked for the reason why it was declined. 
They told me that my decline reason was that I had more than 5 credit cards opened in the last 2 years, which is a known " rule '' of Chase and is also not true. When I told them that I believe that is not true, they told me that I can reapply and try to see if I get declined for the same reason again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
Ever since Mohela took over my loan it has been a comedy of errors. To add insult to injury just as payments returned after Covid funding ended, they decided to change their system. I started receiving notices that my account was in arrears via email. I called them and spend multiple hours on hold for them just to hang up on me. 

I finally was able to get someone on the phone, and setup my " new account '' along with setting up an autopay function with my checking account, and made a single payment. Wouldn't you know it, the auto pays are not happening, and I can not get into my new account. I can enter the old account, but not see payments since it tells me that I am in the process of being transferred to their new system. I already did this!!!!!!! 

When I attempt to create a " new account '' it says that I am not in the system. If I try to use forgot password, it says that I do not have an account. I tried all email addresses that I have, and get the same thing. It is and remains a Sisyphean XXXX in dealing with bureaucracy. 

I have once again tried to get someone on the phone to fix the issue, and spent multiple hours on hold after going through the labyrinth that is their phone system. The last time I was on hold for over 4 hours in my place of employment in the background. I heard someone pick up the phone after the 4 hours, and I could clearly hear a conversation and laughing in the background. They promptly hung up the call after a few seconds. I spent another subsequent hour on hold after that, and I had to return to my job. 

At this point I am considering suing Mohela for damage to my credit report due to their lack of professionalism, and inability to even deal with simplest of requests by consumers of their product. 

Please end this XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation