vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
started XXXX with the first notice from Fifth Third Bank. l explaned up front that l have never used XXXX with their bank. Someone hacked my bank account through XXXX. they withdrew the money from the accts of three banks and a credit card. all funds were given back except for Fifth Third Bank that l am still struggling to work with, but their decision became final, stating that l had to have given them a passcode, of which l did not. they reopened the case a couple times with the same results. ln the beginning they gave me a portion of the money back, putting it into a new acct. and that was taken out of the new account again through XXXX  before l could get into my ''new '' checking acct. Everyone l talk to at Fifth Third says that they know that it was fraud, they reopen the case and then l receive another letter of denial with the same decision blaming myself for the mishap. l have tried everything possible without any success. l am still getting phone calls from a fake fifth third bank phone number and they even leave a message! l have pictures of the numerous caller ID 's that show up on my home/cell phone. l have also saved messages. l believe they are trying to get me to answer the phone so they can get back in. When they call it shows up, 5/3 Bank. lf Fifth Third calls from a branch it shows up spelled out. l believe that l answered the phone when the hackers called and that's how they got into my banks through my computer or cell phone. They, as of XXXX, are sending to collections from an ''auto-withdrawal that went throgh.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-06-23 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: Chime Financial Inc
State: TX

Complaint narrative:
I use chime bank. On XX/XX/XXXX, my debit card was charged {$270.00} from XXXX, after investigating it appears that the transaction was placed in XXXX arkansas and I live in Texas so this was clearly fraud. After more investigating, it seems as if someone hacked into my XXXX account and used my debit card which was already on file to make the purchase. These products were for women such as hair dye and women 's supplements but I am a man and have no use for these things. I promptly closed my XXXX account due to fraud and contacted my bank to explain the situation. After a few weeks, chime bank came back with a decision to reject my claim on the premise that " no error was made ''. After the rejection, I resubmitted the claim but it got rejected again, I contacted XXXX management and they told me since I closed my XXXX account, they can not provide a refund but to contact my bank, they also told me that my bank should have accepted my claim because it was fraud. The vendor is on my side but are unable to do anything about it because I voluntarily closed my XXXX account. Now I'm stuck and need help from an outside agency as I have exhausted my options. It is clear that this is a case of fraud and I'd like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1.Did n't renew my BJ 's Club for XXXX due XXXX concerns. Assumed BJ 's PERKS MC, # ending in XXXX, was also terminated. 
2. This card was also used to renew our annual subscription to XXXX ( i.e. TICKETS, XXXX XXXX ). No renewals were made in XXXX & XXXX due XXXX  SHUTDOWNS. 
The renewals were confirmed via email. 
3. In XXXX of XXXX, XXXX charged our thought to be terminated MC for {$40.00}, & failed to notify us. When we received the XXXX statement we immediately called XXXX to inform we were no longer interested continuing our subscription, because : 3.1 We purchased a Fall-Spring occupancy home in Florida & could go to XXXX during these times ; & 3.2 I am XXXX XXXX XXXX & can no longer XXXX from XXXX XXXXXXXX, NY into XXXX. 
4. Numerous calls to XXXX went nun answered, so we asked to BJ 's Perks MC to reverse the UNAUTHORIZED CHARGE of {$40.00}, contact XXXX to reverse it. 
5.They said the would, but didn't. We were finally able to leave a message at XXXX, but no one called. Interest & were added. The account was taken over by Capital One, & in spite 5 or 6 calls have yet properly correct problem ( i.e. # -- XXXX ) with FEES & interest up to {$150.00} in the last statement. 
6. We were finally able to reach XXXX CustomerService on-line. I believe they would reverse the charge if they could, but may not be able to unless CAPITAL ONE contacts them. 
7. We have NOT tried to use the services provided by XXXX since XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hello Ive being using PayPal for years They never prompted me to install a 2-step verification after they did and I added it to my account. Since then I can not login to my account with the right password because the second step they sent 6 digits to the authenticator application but they never informed me what application that is. 

After spending hours of my life and weeks of trying to get in touch with the live representative, access to talk to someone over the phone without being able to log in to an account is impossible. On XXXX XXXX, they refuse to help and can't understand the issue. They keep sending links to change passwords that is not the issue. They also keep sending links to texting over the phone again because they can not understand the issue. 

Contact customer service " as guest '' on hold forever. Nobody every picks up. 
You can only contact PayPal customer service over the phone when PIN is provided from the account after being logged in I can not remove 2-step verification without being able to log in. 
Due to this ongoing issue, I will be late on my $ XXXX credit line payments. 
I have requested many times to call me no one ever honors this request Over the texting the agents not equipt to understand the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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:
I have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
All I know is this : SageStream LLC, on the behalf of XXXX XXXX XXXX is the biggest elephant in the room! Either most, some, and or all three major credit reporting agencies/matters are being advised, and determined by or with the help of these bad characters, and actors! In the past, and some yrs ago, it was XXXX XXXX XXXX that done the following ; hinder, and prevented me from obtaining : an affordable, decent, livable, suitable, healthy, protective, comfortable, peaceful, and the most safest environment to live in! Which led to me, not being able to choose, and select that was in my best interest! All that played a part, in my overall health being : in the status, state, and unsatisfactory conditions! Because of their bad reporting, inaccurate submissions, advises, misconduct, failures, transparency, bias, overreach, carelessness, ignorance, and extremely bad practices in nature! Now, they're pretty much doing, the same thing in this matter! As a result of this, in most cases its leading to, unnecessary credit denials, and declination with future creditors! In my closing, its definitely having a lasting impact, on how I'm being treated, and ongoing troubles : with all three credit reporting agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello. On XX/XX/XXXX I reached out to Navy Federal Credit Union to inquire about adding overdraft protection to my account. I was told that I couldn't add overdraft protection because I had an OPEN bankruptcy on my account. I notified the representative that this was no accurate. The rep asked me to call back tomorrow to speak with the Bankruptcy department because they'd already closed for the day. 

I filed bankruptcy back in XXXX of XXXX. My bankruptcy was discharged around XXXX of XXXX ( the same year ). Around XXXX of XXXX the bankruptcy was reopen briefly to amend some documents and closed right back on XX/XX/XXXX at XXXXXXXX XXXX  Navy Federal somehow didn't close the bankruptcy out on my account but left it open. 

The problem with this is I have applied for credit and was declined. I also opened a credit card ( which is backed by a certificate I hold with Navy Federal ) which they gave me the highest rate the card goes of 18 %, Was my credit judged by the bankruptcy that Navy Federal falsely had ( or currently has ) on my account which in turn caused me to be declined and given a higher interest rate? I can't see an underwriter ignoring a bankruptcy when making a credit decision- so we know something happened. 

I tried to respect the chain of command and speak with someone at the bank to discuss this- but I was only threatened, emailed a brochure, and told by the supervisor that he HIGHLY suggest I read it before I pursue any legal avenues. 

Per the Fair Credit Act this is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLF Law Group, LLC
State: MI

Complaint narrative:
Sent letter saying I would be sue if I dont call to explore options. Wouldnt talk to me so I told them they are in violation and please do not call me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There a several accounts being reported to TransUnion that I addressed and identified as fraud. I submitted a FTC report and other supporting documents and ask if the accounts can be deleted and blocked. I was informed the information was verified, however no explanation was provided on how the accounts were verified and who did the verification. I ask to speak with a supervisor several times and advise no supervisor is available but when I ask every employee seems to be a supervisor

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/22 I returned XXXX XXXX XXXX XXXX merchandise using their return labels they sent me. Then a creditor open a collection on Trans Union I upload the documents and the collection was deleted .Then another creditor open a collection I uploaded documents to the creditor directly it was deleted. Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX open a collection then I disputed to Trans Union since I already uploaded the documents to Trans Union .Trans Union did not delete the dispute. I called they said they have it but I need to resend again in another dipute I don't think I should not have continue this process every two years.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
Unauthorized debit transactions on an Able account for my XXXX son : First Occurrences ( card activated via phone and stored in home safe. Never used online or at a store ) - XX/XX/2023 and XX/XX/2023 charges were made, {$3.00} each to XXXX XXXX XXXX XXXX, Georgia. Contacted Fifth Third Bank. They temporary reversed the charges and opened investigation. 

Card cancelled and re-issued. Second card activated via phone and used only once legitimately to buy shoes on XX/XX/2023. ( Card has never been used online. ) Second Occurrence - Three charges plus foreign transaction fees to XXXX ( {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and an XXXX charge on XX/XX/XXXX. All three also have foreign transaction fees ). Fifth Third Bank has opened an investigation. 

My concern is that Fifth Third Bank is not taking strong steps to correct their problems with debit card information. Their response has been to blame it on online bots " guessing '' the card number, date, name, CVV, and expiration date. They also sent a letter encouraging me to sign up for " fraud protection '' with monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached 2 FTC report with fraudulent unauthorized inquiries

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