vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
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. Please delete the items as soon as possible.

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 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.

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 2023-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX changed authorization payment date that was in the system already from XX/XX/2023 to XX/XX/2023. Told apartment manager I was making the payment originally XX/XX/2023 and apartment manager kept telling me I have to make the payment date on XX/XX/2023 to avoid eviction even though the paper she given me said XX/XX/2023 XXXX XXXX. The payment that was pre authorized to come out on that date processed in their system on XX/XX/2023 and posted on XX/XX/2023. Spoke with corporate and they said they have no way of going in to change the payment authorization dates. This has happened twice and only times when management or leasing office has called me about certain dates to make the payment. No other issues with other months other than XXXX and a few months ago. No solution was given. XXXX from corporate kept saying that their processing system can process authorization days prior before even though it does not do that any other time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-28 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: WA

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-08-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/2023, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX 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 2023-08-28 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: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I want to file this please as my formal complaint to ARIVO ACCEPTANCE for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
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. Please delete the items as soon as possible.

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 2023-08-28 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
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. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a vehicle from XXXX XXXX back in XXXX of XXXX for the amount of XXXX. 2 years later and the amount I own on the vehicle is still at XXXX Back in XXXXXXXX XXXX XXXX sales was bought out by Westlake profile.. What happen to all the money i put into the vehicle before Westlake took over..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In XXXX I made a purchase through a company based in the USA for an item shipped from the USA while living in the USA. Chase charged me a {$24.00} foreign transaction fee. I asked Chase if this was a mistake and whether it was possible to refund the fee but was told foreign transaction fees can not be reversed. There was likely a problem with the charge being made in a foreign currency and that I should contact the merchant. I asked if the merchant were to reverse the charge and charge me again in USD whether that fee could be reversed and I was told no. Ultimately, chase charged me a foreign transaction fee I did not consent to because I was unknowingly charged in another currency. I view this as a UDAAP violation because I was in the USA the entire time and had no way of knowing I would be charged this fee, and I have no way of consenting to the fee, or correcting/reversing this fee I did not consent to. I also view it as deceptive for a financial services company to claim a fee they assess can not be reversed even in an instance where a mistake was made that was not the fault of the consumer. Consumer harm is done when Chase is able to charge fees that are assessed based on an algorithm, with no pathway to challenge said fees, especially under circumstances where the consumer is not asked to consent to the fee prior to a transaction. If I withdraw money from an atm and incur a fee, I am asked for my consent. I do not understand how or why Chase can assess a foreign transaction fee without similar consent, especially given that the charge was made in the USA and the consumer would not be weary of a foreign transaction fee given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CO

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I'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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened a XXXX XXXX secured credit card with US Bank with a deposit of {$300.00}. 
They took my deposit from my checking account right away and it took them 2 months to mail me the credit card, which was ok somehow. 
Today XX/XX/XXXX I received a statement from you asking me to pay {$110.00} including past due {$43.00} I was charged late fees and other fees and interest : XXXX Total : XXXX On XX/XX/XXXX I asked your CS to close my account via email, and I got some messages from you. 
I also asked if I have to pay the balance and I was told that I don't have to. Now you charged me to pay late fees for past due amount. 
At the beginning of XXXX I received ta letter from you stating that my remaining balance will be send to me via check on XX/XX/XXXX, but I have never received such check. Instead you charged me all kind of fees. 
You need to issue a refund for all those fees I was charged and stop charging me fees and send me a check for the remaining balance. 
This message will be send to CFPB too. 
Unbelievable.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX of a XXXX XXXX that has a checking account with Truist. This is 100 % nonprofit and there are no paid employees and no one receives compensation. We are the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX XXXX  we noticed XXXX charges on our checking account. The organization does not have an XXXX account nor has made any XXXX charges. I called an cancelled the debit card. XX/XX/ we see not only were the charges not reversed but they had continued totalling around {$800.00}. We have called several times and in XX/XX/ did receive a notice by mail ( attached ) detailing the disputed charges. The charges still have not been reversed and everytime I call we get no answers. I then went to our branch manager who said she would look into it and get back to me. She did not and I have been calling every few days for 3 weeks now and every time they say she is " with a customer. '' Calling the XXXX over and over and staring with a new person is time consuming and extremely frustrating. It is completely unacceptable that Truist does not properly handle fraud cases. THE FRAUDEULENT XXXX CHARGES ON OUR ACCOUNT NEED TO BE REVERSED.

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 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, XXXX loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under XXXX5 USC 1681, 15 USC 6801, and 15 USC 6802, XXXX loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, student loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A fraudulent account keeps reporting to this one Bureau and every time I have contacted them or attempted to dispute this account they update it as verified. Every other bureau have found this account to be fraudulent and has sense removed it. It has been 9 months and I have yet to receive any documents regarding the verification of this account. As of recently, when I call the automated systems recognizes my number and does allow me through to speak to a representative. This act alone should be illegal and a means for them to immediately fix all inaccuracies 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 explanation
Consumer complaint received 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-28 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: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed inquiries and accounts that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
No knowledge of this account I sent police reports and asked for original agreement between us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX Citibank lowered my credit from {$11000.00} to {$3000.00}. Stating, XXXX reported I was delinquent on an account. Citi now reporting my credit score is no XXXX. XX/XX/XXXX, I provided documents to XXXX clarifying the delinquency. XX/XX/XXXX XXXX raised my credit score right back to XXXX. From XX/XX/XXXX to date, I have contacted CITI bank and asked them to correct my credit score and give me back my higher limit. XX/XX/XXXX with Citibank a supervisor ( won't give me their name ) place my COMPLANT about my credit score. XX/XX/XXXX I faxed a company of the XXXX XXXX XXXX and report showing it was XXXX. XX/XX/XXXX XXXX a letter declined. Called Citi XX/XX/XXXX and again told them the credit score is wrong. Then again on XX/XX/XXXX, XX/XX/XXXX i placed complaints Citi is reporting the wrong credit score. Citi would tell me they would check with XXXX and other agents would tell me theres nothing they can do. XXXX I called XXXX and they validated the scores of XXXX, then XXXX have been sent to the credit card and validated that Citi has NOT pulled any credit on my in 8 months. So they lied!! 
Attached is XXXX imagens from right from XXXX. Notices the scores, and dates. Also the bottom right shows todays date. More importantly, the second XXXX score states, up XXXX point from the previous months score. Proving that back in XXXX my score was XXXX which Citi shows it wasnt. They are not reporting my credit correctly

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