vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
{$6000.00} of fraudulent activity occurred on my Health Savings Account XXXX XXXX XXXX  issued by Bank of America. Majority of the fraudulent activity ( {$5400.00} ) occurred in-person in XXXX, XXXX between XXXX. I became aware of the fraud on XX/XX/year>. I promptly called and canceled my HSA debit card and filed a dispute form via mail on XX/XX/year>. As of XX/XX/year> XXXX XXXX ( XXXX chargeback services ) has only issued a credit in total of {$1300.00}. The remaining balance of fraudulent charges {$4600.00} has been denied based on the fact that these appeared as " in-person '' charges. At no point was I notified of suspicious activity by Bank of America or XXXX. Up until these debit card fraudulent charges, my purchase history indicates that the sole use of the card has been for medical or pharmaceutical needs. 

I have filed a police report with local authorities, had an in-person meeting with a branch manager of Bank of America , provided physical evidence of an in-store purchase to prove I was in Michigan and not in New Jersey, but the claims are still being denied for reasons unknown to me. 

I have spent many hours on the phone, in person with local law enforcement, and together had the Bank of America branch manager speak with chargeback services over the phone to resolve this issue. In each interaction, no explanations could be given as to why only some of the charges were refunded, not all. No XXXX contacts, Bank of America contacts, or route to resolution could be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I know I make my payments on time, so its confusing why this company is marking me late. Per USC 1666b, billing errors need to be corrected, and my account should reflect " paid as agreed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX I was contacted by phone by what I thought was Wells fargo fraud department. That is what my caller ID said. He made me believe my account was comprised. He had me believe wells fargo needed the card to trace the fraud that was being perpetrated. He told me how to cut the card up put it in a envelope and a currier would pick it up. They raised my daily limit. XXXX transferd to checking account. XXXX withdrawal from debit account. Wells Fargo allowed this to happen. After they picked up the card I went to my Wells Fargo online account and the numbers didn't add up. I immediately called Wells Fargo to stop all accounts from anymore charges. I made an appointment for the next day XXXX with XXXX XXXX. Senior banker for WellsFargo XXXX He made some phone calls to corporate. Got no where. I got 2 claims that got closed # XXXX for the XXXX transfer. # XXXX for the XXXX Now Wells Fargo has added a new disputed transaction # XXXX. XXXX is assigned to my case # XXXX I called him on XXXX and on XXXX left messages no reply. I filed a police report with the XXXX XXXX. On XXXX I talked with XXXX XXXX # XXXX. He's forwarding the report to the FBI. He thinks Wells Fargo is responsble, so do I. To add insult to injury, Wells Fargo charged my savings account XXXX service fee on XXXX Fee would be waived if I had XXXX in my account. I never gave my user name or password or pin # to anyone. I've been a customer around 40 years. I don't think I've ever taken more than XXXX in a day. Wells Fargo let fraudsters take over XXXX In an hour.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one charged me for a payment I already made. When I disputed it they said the chip was used and thats all the info that was given and my account went into the negatives over {$400.00} and Ive been struggling to get a new bank account because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It took me over a week to get my credit unfrozen with Transunion. You can not unfreeze your credit on their website- they have had an 'error ' page up for several years now that says you have to call their 800 number. It took several attempts over the last week to reach them by phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2024 I made a purchase for a package from XXXX totaling {$310.00} using my Chime debit card. The package was supposed to be delivered by XX/XX/2024 but I never received it. Despite multiple attempts to contact the merchant to resolve the issue, I was unable to get a refund or replacement for the undelivered package. 

I filed a dispute with Chime on XX/XX/2024 providing all relevant evidence, including [ e.g., order confirmation, tracking details, communication with the merchant ]. However, on XX/XX/2024 Chime denied my dispute without adequately addressing the supporting evidence I provided. 

This has caused me significant financial inconvenience as I paid for a product I never received. I believe Chimes denial of the dispute is in error, and I am requesting their assistance in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address several unauthorized and fraudulent inquiries appearing on my credit report, which I suspect may be linked to identity theft. After reviewing my report, I noticed inquiries from companies I have never interacted with and for which I never applied for credit or provided consent to access my information. Despite previously disputing these inquiries, they still remain on my report, which is deeply concerning. Their continued presence not only raises serious questions about the security of my personal information but also adds unnecessary stress and XXXX  over the potential misuse of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have endorsed, signed, and sent the Notes, securities as referenced to the Indenture Agreement they have on file with Security Exchange Commission ( SEC ) dated and Signed XXXX XXXX. They are not following their own rules and regulations of SECTION 5.8. Unconditional Rights of Noteholders To Receive Principal and Interest. 
Notwithstanding any other provisions in this Indenture, the Holder of any Note shall have the right, which is absolute and unconditional, to receive payment of the principal of and interest, if any, on such Note on or after the respective due dates thereof expressed in such Note or in this Indenture ( or, in the case of redemption, on or after the Redemption Date ) and to institute suit for the enforcement of any such payment, and such right shall not be impaired without the consent of such Holder. I have executed the the steps and sending the Notes, and securities to Credit Acceptance at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan, XXXX & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX Pursuant to the Indenture Agreement on ( XXXX  ) SECTION 11.4. Notices, etc. to Indenture Trustee, Issuer, and Rating Agencies. 
Any request, demand, authorization, direction, notice, consent, waiver or Act of Noteholders or other documents provided or permitted by this Indenture to be made upon, given or furnished to or filed with : ( a ) The Indenture Trustee by any Noteholder or by the Issuer shall be sufficient for every purpose hereunder if personally delivered, delivered by overnight courier, mailed certified mail, return receipt requested or by telecopy to : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX, Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX and shall be deemed to have been duly given upon receipt to the Indenture Trustee at its Corporate Trust Office ; ( b ) The Issuer by the Indenture Trustee or by any Noteholder shall be sufficient for every purpose hereunder if personally delivered, delivered by overnight courier, mailed certified mail, return receipt requested or by telecopy to : Credit Acceptance Corporation XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX XXXX Attention : XXXX XXXX, Telephone XXXX XXXX XXXX ) XXXX ( ext. XXXX ), Telecopy : ( XXXX ) XXXX. The Issuer shall promptly transmit any notice received by it from the Noteholders to the Indenture Trustee ; Its Securities Fraud, and Violations on UCC 3-603 TENDER OF PAYMENT, UCC3-602 PAYMENT, 12 CFR 1026.21 TREATMENT OF CREDIT 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 explanation
Consumer complaint received 2024-12-02 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:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-02 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 am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Social Security Number : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX **Subject XXXX Dispute of Unauthorized Credit Inquiries** Dear Experian, I am writing to formally dispute certain inquiries that appear on my credit report, which I believe were made without my authorization. According to the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to access my credit report. I do not recall giving permission to the following lenders to make inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 respectfully request that you provide documentation or a contract showing that I authorized these companies to access my credit report. If no such documentation exists, I ask that these inquiries be removed from my credit report promptly. 

Please investigate this matter and take the necessary actions in accordance with the FCRA. I appreciate your prompt attention to this urgent matter and look forward to your response. 

Sincerely, XXXX 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 2024-12-02 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: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my 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 non-monetary relief
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, my Rooms To Go account ending in XXXX was closed by Synchrony Bank. According to them, the account was closed due to my credit score, excessive accounts, and too many inquiries. However, I have never missed a payment on this account or any other, as reflected in my credit history. 

Despite reporting the account as closed, it remains active with a balance. When I contacted Synchrony Bank, the agent confirmed that I am still under a no-interest promotional plan for a specific period and am actively making payments. This raises a contradiction : how can the account be considered closed if it has an active promotion, a balance, and ongoing payments? The closure only removed my ability to make new purchases ( spending limit ), not the account itself. 

If the account is indeed closed, there should be no remaining balance or payments. This inconsistency needs to be corrected on my credit file. The account should either be accurately reported as active with a reduced or removed spending limit or remain open. The current status is misleading and is negatively impact my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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