vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XX/XX/year>, my Capital One debit card was hacked ( or frauded ) and someone used my debit card to make purchases during the evening in the amount of {$210.00} ( XXXX ) and {$230.00} ( tick pick ). Capital One states to me that they completed their investigation that I opened the dispute on XXXX XX/XX/year>, and they declined my dispute, meaning they will go into my bank account on XXXX XX/XX/year> and take back the money that they temporarily credited me with while the investigation ensued. Capital One tells me the charges are valid, and they are as I received emails stating that an XXXX XXXX purchased tickets. But, the ticket purchases were not done by me ; only with my debit card. At the time of the incident, I was purchasing ice cream in XXXX, NY for my family, so it was impossible for me to purchase these tickets. I want to keep my own hard-earned money, but Capital One is threatening me to take back the money. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit 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 XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an another account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened at XXXX XXXX on XX/XX/XXXX using account number XXXX and another account for XXXX XXXXXXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in fraudulent activities appearing on my consumer fico credit report. I demand aforementioned fraudulent items be removed from each of my consumer credit reports related to the said items cease pursuant to my rights within the FCRA and FDCPA laws.collections appearing on my consumer FICO credit report. All of the aforementioned accounts, credit are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, the result of identity theft and fraud I am filing this cfpb complaint and identity theft affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which i know do not recognize after research as reported and which are a result of identity theft and fraud. These accounts have resulted in fraudulent activities appearing on my consumer fico credit report. I demand aforementioned fraudulent items be removed from each of my consumer credit reports related to the said items cease pursuant to my rights within the FCRA and FDCPA laws. Below I will also attach information of mine such as social and more being exposed from XXXX through XXXX from Equifax! Also have had obtained a new social security card back in XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: Lendmark Financial Services
State: GA

Complaint narrative:
Account Name : LENDMARK Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX ( Original Creditor : XXXX LENDMARK ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since 1989, I have been banking with Wells Fargo, 35 years free checking. 

SSA Treasury makes monthly direct deposits. This direct deposit fulfills eligibility for free checking. 

I got my first {$10.00} MONTHLY SERVICE FEE because XXXX has 31 days. 

New Policy fees waived if direct deposits post in 30 days, not 31 days. 

This was set up to fail knowing all calendar months are not 30 days or less. 

7 months in a year have 31 days = {$70.00} a year NEW FEE INCOME is a legitimate scam and greed.

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 2024-11-24 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: IL

Complaint narrative:
The credit Bureau is reporting inaccurate information on my reports an I have them to remove the inaccurate information in writing an via telephone.

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 2024-11-24 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: IL

Complaint narrative:
The credit Bureau is reporting inaccurate information on my reports an I have them to remove the inaccurate information in writing an via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
Dispute of Overdraft Fees Charged illegally. 

Dear CFPB, I hope this message finds you well. I am writing to formally dispute a series of overdraft fees that have been charged to my account with Navy Federal Credit Union. 

To date, I have been charged overdraft fees on 53 separate occasions, with the most recent charge occurring on XX/XX/year>. I believe these charges are not only excessive but also unlawful, as they violate the terms of my account agreement as well as consumer protection regulations. 

I kindly request a thorough review of my account activity and the specific circumstances surrounding these overdraft fees. I believe that a mistake has been made, and I am seeking a prompt resolution, including a reversal of the fees that were charged in error. 

Please provide me with a detailed breakdown of the transactions leading to these charges, as well as any relevant documentation supporting the legality of these overdraft fees. I appreciate your immediate attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Report of FCRA Violations by Equifax Dear Sir/Madam, I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. Specifically, I believe that Equifax has failed to comply with the provisions outlined in 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( Late Payments are Transactions or Experiences ) Furthermore, according to 15 U.S.C. 1681a ( 2 ) ( I ), it is essential to note that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the reporting party. This indicates that Equifax has violated my rights by furnishing inaccurate information on my credit report without my written consent.

I request that Equifax provide me with the original signed contract related to my account within five days of this letter 's date. If they are unable to provide this documentation, I demand the immediate removal of the account in question from my credit report.

Additionally, I am uploading copies of Equifax 's credit report obtained from their app, along with another report from XXXX, for your review. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, Here is a copy of the stall letter I received stating they can't locate a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX D.C. XXXX Subject : Report of FCRA Violations by Equifax Dear Sir/Madam, I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. Specifically, I believe that Equifax has failed to comply with the provisions outlined in 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( Late Payments are Transactions or Experiences ) Furthermore, according to 15 U.S.C. 1681a ( 2 ) ( I ), it is essential to note that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the reporting party. This indicates that Equifax has violated my rights by furnishing inaccurate information on my credit report without my written consent. 

I request that Equifax provide me with the original signed contract related to my account within five days of this letter 's date. If they are unable to provide this documentation, I demand the immediate removal of the account in question from my credit report. 

Additionally, I am uploading copies of Equifax 's credit report obtained from their app, along with another report from XXXX, for your review. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, Here is a copy of the stall letter I received stating they can't locate a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
Statement ending XXXX XXXX  says available {$72.00} Previous balance {$550.00} Payment {$190.00} Purchases/ and OTHER charges {$50.00} Interest {$16.00} New ending {$420.00} XXXX Previous balance {$420.00} Payment {$170.00} Purchases/ and OTHER charges {$190.00} Fee {$39.00} Interest {$17.00} New ending {$500.00} I have not physically used this card since XX/XX/year> for {$12.00}! But yet my account is XXXX?? 

So where are my payments and where are these purchases coming from they can not answer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Repeated prone calls ( XXXX ) from many different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Company wrote balance off as a tax break. The 1099C has not been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: VA

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 2024-11-24 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: VA

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 non-monetary relief
Consumer complaint received 2024-11-24 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I received a letter from Midland Credit Management ( MCM ) on the XX/XX/XXXX telling me they were trying to collect of a debt of {$3500.00} for charges made on a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX card ending in XXXX. My husband XXXX spoke with XXXX at XXXX on XX/XX/XXXX XXXX to try to find out more information on these charges since we had never received any indication through the US mail or email regarding any charges to this card, but XXXX said there was no info she could give us as the address ( listed under my name, XXXX XXXX XXXX ) was different than the XXXX at which we reside. 
Immediate red flags went up as we have resided at XXXX XXXX XXXX, XXXX, MA XXXX since XXXX of XXXX and have never lived or bought property anywhere else. My husband then sent certified letters on XX/XX/XXXX XXXX to MCM refuting the charges and requesting a debt validation letter form them. They then sent back another invoice saying the debt was ours, even though the address that they supplied for the XXXX XXXX XXXX listed was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, and all four charges they showed on their invoice ( only XXXX were listed totalling {$770.00} ) were made at locations in XXXX MA XXXX a place we've never lived and have never visited. The invoices from XXXX had obviously been going to that address but had never been paid by the occupant at that address, and the fact that this mail had been going to this address is obviously why no notifications of any charges had been received by us. On another note, we use our current XXXX XXXX card extremely rarely ( which ends in a different set of numbers, btw ) ; everyday charges for us are either through our bank debit cards or through our XXXX XXXX XXXX cards. It is our firm belief that the card information being used has been obtained by someone in an online data breach ( my husband XXXX informed me that he was sent an email just this past week that his info was pwned in massive online breach and has had two other email notifications in the past couple of years regarding the same problem ) and that we are being defrauded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I can not access my XXXX  account online they are not sending me the verification email to get into my account and they don't have the correct phone number to text me the verification code. 

I also can not access my experian account online as i keep getting an internal error message.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit 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, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account Unknown opened XX/XX/XXXX with a balance of {$550.00} account number XXXX. Inquires XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX  - XXXXXXXX XXXX - XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing regarding a dispute I filed with Bank of America on XX/XX/XXXX, XXXX of today, more than 45 days have passed, and I have not received a resolution or meaningful update regarding the status of my case. 

The dispute pertains to a product I didnt receive. with a total amount in question of {$1700.00} I have I have not received any updates when stated on Bank of America they have up to 45 days. 

Under the Fair Credit Billing Act ( FCBA ) and applicable regulations, I understand that disputes should typically be resolved within two billing cycles ( not exceeding 90 days ). I am concerned that this delay violates my rights as a consumer and is causing unnecessary stress.

I kindly request : 1. An immediate update on the status of my dispute.

2. A timeline for resolution.

3. Documentation of the steps taken so far and what further action will be taken.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX xxxxxxx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Timeline of Events XX/XX/year> XXXX XXXX sent via Registered Mail number XXXX  XXXX XXXX XXXX XXXX with Return Receipt Requested to Navy Federal ( Exhibit A ) the enclosed registered security in the amount of {$53000.00} XX/XX/year> XXXX XXXX sent via Registered Mail number XXXX XXXX XXXX XXXX XXXX with Return Receipt Requested to Navy Federal ( Exhibit b ) the enclosed registered security in the amount of {$54000.00} To date Navy Federal Credit Union has not credited XXXX XXXX 's account or returned either security despite receipt of their acceptance of it. I need help determining what happened to these two securities.

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