vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
I submitted a SS # mixup dispute ( between my sister and my SS # ) with Experian on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My XXXX  called to follow up and they required addtional documentation which my XXXX  uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!

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 2022-12-28 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXXXXXX 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

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 2022-12-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been dealing with this issue since the beginning of this year. XXXX XXXX continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to XXXX XXXX that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. XXXX XXXX states that on XX/XX/XXXX I had called to get a new card. If the investigators at XXXX XXXX did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital added a restricted to my XXXX account of needing further verification, due to high fraudulent occurrences. My attempt was making a payment for my XXXX,  and the payment was canceled. The email stated to call to verify. I made 3 attempts to verify my account, and I was provided 3 different options ( by 3 different Reps ) on how to removed the restriction. All options ( by phone ) I provided as asked, but was still told I needed more proof/contact the fraud department. The fraud department stated that I need to provide proof of Id. A link was sent out, and my passport was uploaded. Then I called back afterwards to verify if the documents was received the stated yes, but it will take 7 days for the fraud department to verify the document. Capital One fraud department reached out on XXXX  stating that my passport is not acceptable for proof of ID, and my account will remain restricted until a drive license or id is provided. Capital one has on file a copy of my passport that has been used inside of the Bank on previous transactions. My payment was taken after a second attempt, but my account was to be verified before the payment could be accepted. I have attached from Capital One website the proof of acceptable documents DateXXXX Amount:XXXX Actions : Restricted my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I applied online to Cabelas for a card. They sent me information in the mail saying I had to send a copy of my social and drivers license through the mail. I told them no on the phone. I asked if I could go in and finish the application they told me no. I had to redo it at a local store because you can't finish an online application locally. I was also told they had someone locally that can verify authenticity of drivers license and social there. " right ''. I said ok cancel this application. I went in to a local Cabelas which was XXXX hours from me to apply then they made me do the same thing. Send in social and id. This time they sent me an electronic submission option. That did not work. I called in 3 times and they did not even receive the information and could not say why. Extremely poor handling of confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX XXXX purchases were made on my XXXXXXXX XXXX  app for pickup in the state of XXXX  using my Chime debit card. I live in XXXX XXXX. The first purchase was made at XXXXXXXX XXXX for {$100.00} and the second was made at XXXX XXXX for {$190.00}. XXXX has acknowledged that I did not make these transactions, but Chime has denied my claims over and over. They continue to tell me that they are escalating the investigation to deny it a couple of days later. I have provided them with screenshots from my XXXX XXXX app that shows the address of the XXXX where the order was picked up and XXXX told me that they have it marked in their system as an unauthorized purchase, so I don't understand how CHIME is finding that there was " no error that occurred ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of a unauthorized fraudulent wire transfer initiated from my Chase checking account on XX/XX/2022. Chase did not contact/notify me ( via email/phone ) in regards to the legitimacy of the fraudulent wire transfer. Due to the negligent act of Chase not notifying me of any suspicious account activity, I did not discover the fraudulent wire transfer until XX/XX/2022. The fraudster wired the amount of {$15000.00} out of my Chase checking account to a " XXXX XXXX '' who I have no relation with. My Chase checking account was under a joint family account with my father, mother, and sister. All of their accounts also had fraudulent wire transfers initiated by the fraudster but Chase blocked them all. Chase however was negligent with the security of my personal checking account and did not block the fraudulent wire transfer out of my personal checking account, thus resulting in my loss of {$15000.00}. I have filed an official fraud claim with Chase as well as a official police report on XX/XX/2022. I have also XXXX the compromised Chase checking account with a Chase employee and updated new credentials to prevent any further damage on XX/XX/2022. My family also took the same action with their affected Chase accounts as well. Chase bank 's lack of security and negligence caused me to lose {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
{$2500.00} check was cashed at chase bank mobile deposit on XX/XX/XXXX. 

On the morning of XX/XX/XXXX my account was at {$420.00}. The check was put on hold d/t fraud detection, and the money was not received and put on hold. However, the full {$2500.00} was taken out of my account by chase bank, reducing my balance to XXXX. 

Calling customer service, I was able to talk to a supervisor, who explained the check was put on hold due to potential fraud. They further said they contacted the check issuers bank and were told it was a bad check. ( The check issuer is a family member ). 

Calling the family members bank ( XXXX XXXX XXXXXXXX ) yielded the following : - they were never contacted by chase bank- they had no reason to suspect fraud - the check was valid, and in fact the money had been withdrawn from the XXXX XXXX XXXXXXXX account. 

Chase refused to refund my account the {$2500.00} they fraudulently charged me, and told me my account was locked and being closed. They also said they would not refund the money until XX/XX/XXXX. 

My account is now in the negatives and I cant pay rent by its due date. Chase refuses to do anything, Ive talked to management and they wouldnt do a grunt further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: GA

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

Account name : # 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 a 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 2022-12-28 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: GA

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

Account name : # 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 a 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
On XX/XX/2022 I have purchased a new vehicle and financed it with BMW Financial. I have a fraud alert on all my credit reports but the finance company has never called the number listed on the report which is XXXX and verify if I am in fact opening the loan - this has violated my Fair Credit Reporting Act rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Lac Courte Oreilles Financial Services II
State: CA

Complaint narrative:
As we have always done, we asked for the full XXXX to be taken out on the XXXX XXXX XXXX XXXX XXXX have had XXXX XXXX and did not know I was put in a system to loose lots of money to that company. We have made it plain we do not see the terms they changed us to. For ever paying this bill.. we have already paid XXXX for nothing they say. XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Reference CFPB case Number : XXXX and XXXX Ally Bank was notified and received my correspondence requesting validation of a illegitimate debt they hold in my name on XX/XX/2021, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. They never sent me anything proving that I had any contractual obligation with them for any debt. They never provided a signed agreement between them and I proving that they have are the holder in due course or that we have any contractual agreement together. 
I never nor did XXXX XXXX receive any Loan from Ally Bank. All that was provided to me was a Retail Installment Contract showing a credit sale between myself, XXXX XXXX and XXXX XXXX XXXX I am the holder of the title of my vehicle with no security leins or judgments.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI

Complaint narrative:
I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, BERLIN WHEELER , INC. will be contacting me in the future for the amount owed ( which is incorrect ). This is XXXX of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.

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 2022-12-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: IL

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-28 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: IL

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-28 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Fraudulent charges were made in XXXX XXXX by someone who is not me. Initially, the bank refunded the charges. Then after their " research '', they recharged all the charges except XXXX. The difference is approximately {$700.00}. 
I was told today that the " research showed '' the card was " used in person '' despite being with me in XXXX  There were charges by me in XXXX, XXXX XXXX  where I work ) the day before the fraud and I called to claim fraud the day after they posted. 

I have canceled the card as of today.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX  bank called me 7 times within a 24 hours period. This is a violation.

Company response to consumer: Closed with non-monetary relief