vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: NM

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card sued me and attempted to collect a debt by fraud. They misrepresented the debt owed as if I didnt try to pay the debt down and presented the attached to the judge to gain a final judgment without me being notified of the date I was to appear. They sent me a refund check after the egregious final judgement. This refund check was from a lie told to the judge to make it appear as though I didnt try to work with discover to pay my debt down. If I was such a bad person, why would Discover send me a refund check after an audit? Its because Discover card knew I tried and instead of working with me, decided to not give me that option and instead sue. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Credit collection services refuses to remove an unknown derogatory mark on my credit. I was never sent any debt validation as this is inaccurate. They have called emailed and texted me and will not leave me alone. I just want this removed and deleted from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
US Treasury issued a check for social security benefits and was deposited into a Bank account on XX/XX/year>. On XX/XX/year>, Social Security verified that the check was cleared. A required documentation regarding breakdown of payment has been provided to the bank. It is now XX/XX/year> and the bank has my money in a Suspense Account and will not release the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: MD

Complaint narrative:
I am writing to seek your assistance with a issue I am experiencing with the company Blockchain.com. I deposited {$5000.00} into my account on their platform. However, when I attempted to withdraw these funds, the company refused to release them and provided no clear path forward. 

I contacted their customer support, and while they claimed to escalate the issue, no actual progress has been made. My money remains inaccessible without any explanation or resolution from Blockchain.com. 

Upon conducting my own research, I found numerous online complaints from other individuals who describe similar issues with the company. Several customers have even referred to the platform as a scam, although it appears to be a registered entity. This situation leaves me concerned, frustrated, and uncertain about my rights and recourse. 

I kindly request your guidance and any assistance your office can provide in this matter. If additional information or documentation is needed, I am prepared to furnish it promptly. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive found incorrect hard inquiries on my credit file that I did not permit. These inaccuracies violate 15 USC 1681c-2 and are negatively affecting my credit. Kindly remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
XXXX, failed to contact me and advise me that my account was past due. They were intentionally wanting my account to go over 30 days late. They should remove the 30 days late status, as they went against the fair credit reporting act. They were misleading and could not give me a valid reason, as to why I was not contacted in order to advise me that my account was past due, at which point, I would have payed it and would have never have gone over 30 days late. This was XXXXXXXX XXXX XXXX fault, for choosing not to contact me in a timely manner, etc. I verified that they had my correct phone number and address, and when ask, why dud they not call me, once my account went past due, they advised that " they did not have to contact me '' I advised that I would like to speak to a Supervisor and were lied to, as they stated that one would call me back within 24 hours and they never did. I payed this account almost perfect for the life of the loan, and due to a customer service agent providing incorrect information to me, about me being able to pay the remaining balance by still paying my normal amount of XXXX dollars a month until the balance was XXXX, etc. Apparently this information was incorrect, but even after this, if XXXX just did what they should have done, by contacting me, once my account was past due, I would have made a payment right away, and the account would never had gone over 30 days late. XXXX should contact their customers when their accounts go past due, and not purposely wait so that the customer 's credit rating is affected. I will be submitting a complaint per the FCRA, if this 30 day late is not updated on my credit report with all the applicable bureaus. This was an unfair and deceptive practice by XXXX XXXX, and I will take it further if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
My student loans are currently being handled by Mohela. There is currently a forbearance and I have been paying my loans gradually during this time after being informed that there would be 0 % interest accruing. I have recently found out that my balances continue to rise despite the forbearance beginning a few months ago. I want the interest accrued during the forbearance to be reversed given that the balances should have had XXXX interest during this time period and I want there to be no more interest accruing during the remainder of this forbearance period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit file includes several accounts that I suspect are fraudulent. I ask that these accounts be blocked and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After checking my credit report, I identified errors related to late payments. These are not representative of my consistent payment behavior. Please make corrections and update my account details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
Heres the final version of the complaint with all your details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Chase Bank Unauthorized Charges Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding over {$55000.00} in unauthorized charges on my account, which were made to XXXX without my consent. 

Details of the Complaint On XX/XX/XXXX, I discovered multiple unauthorized transactions totaling over {$55000.00} on my account to the current month. These charges were made to XXXX a gambling website, without my authorization or knowledge. 

Upon discovering these transactions, I immediately took action by going into the local branch : On XX/XX/XXXX, I contacted Chase Bank customer service to report the unauthorized transactions. 
I submitted all necessary documentation, including account statements and transaction details, as requested by Chase Bank. 
Despite my prompt reporting, Chase Bank has denied my claim and then reopened it and is making me wait until the next day and the next day and so on and so forth. 

Attempts to Resolve the Issue I have made multiple attempts to resolve this matter with Chase Bank, including : 1. Filing a dispute on XX/XX/XXXX, immediately upon discovering the fraudulent transactions. 
XXXX. Providing all supporting documentation and information requested by Chase Bank. 
XXXX. Following up repeatedly without receiving a satisfactory resolution. 

Impact of the Issue The unauthorized charges have resulted in significant financial hardship. The loss of over {$55000.00} has : Disrupted my businesses financial stability. 
Prevented access to necessary funds for my living expenses. 
Caused immense emotional distress. 

Requested Resolution I respectfully request the following : 1. A full investigation into the unauthorized charges on my account. 
XXXX. Reimbursement of the $ XXXX that was fraudulently withdrawn from my account. 
XXXX. A formal explanation from Chase Bank regarding their handling of this issue and measures to prevent such occurrences in the future. 

Attached to this letter are the following supporting documents : Bank statements highlighting the unauthorized charges. 
Correspondence with Chase Bank regarding this issue who is now assigned to my case. 

Thank you for your attention to this matter. I trust that the CFPB will investigate Chase Banks handling of this issue and ensure that I am reimbursed for the fraudulent charges. 

Sincerely, XXXX XXXX Attachments : 1. Bank statements showing unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
XXXX has not invested this fraudulently open XXXX XXXX account!!! They need to investigate the orginal address which this account was originally opened I never opened an XXXX XXXX account this is fraud!!! Please do your job and remove from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, I was made aware that a loan I had taken out for {$10000.00} through federal student aid was being serviced by Mohela. The loan had started accruing interest and was totaling {$10000.00}. I had called and spoke to a representative at Mohela who gave me the address to send a cashier 's check for the full amount. The payment for the full amount posted to the Mohela Account on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating Mohela had transitioned to a new platform and that my existing loan would not be impacted. I then received correspondence later stating that my loan was increasing to {$10000.00} as if they had never received my payment. On XX/XX/XXXX XXXX I called XXXX and spoke with XXXX who stated my loan was paid off and that I should receive correspondence of the loan being paid within 30 days ( by XX/XX/XXXX ). I never received and correspondence. Since then, I have gone back and forth with Mohela for almost a year. Each time I am told it has been taken care of only to find out the next month more interest has accrued. I have been assigned several case files and ID numbers by Mohela but still the problem persists. Currently the balance that is accruing interest is {$63.00}. I have attached a timeline of all dates, times, whom I spoke to, what the outcome was, and all ID and case file numbers to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This debt is showing as a collections debt on both my XXXX and XXXX. It has been removed from my XXXX. It says I owe {$300.00}, and I have not received any credit or loan extended to me for that amount. That is not my debt. It says it is coming from National Credit Adjusters XXXX XXXX, KS XXXX at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: ND

Complaint narrative:
On XX/XX/XXXX, I received an Experian alert stating that I opened two student loan accounts in the amounts of {$750.00} and {$430.00} via XXXX XXXX on XX/XX/XXXX. However, I am not in school, nor would I ever voluntarily put myself in student loan debt. 

That same morning ( XX/XX/XXXX ), I called the company twice and was able to speak with a representative on the second attempt. I explained the situation and the representative stated that someone in Indiana had filed in my name using my information. She collected my information and stated that she would send me documents via email and carrier mail to correct the issue. 
However, this has not occurred. 

I've called back several times ( since there is no customer service email ), but was unable to successfully reach another representative. I then filed a dispute via Experian twice, but both times they claimed that the original lender has " verified '' that the information they received in correct and the loan is valid -- - which, of course, it would be, seeing how the person who secured the loan was succesful in doing so by using my information. I have since had my credit line frozen. 

I have also filed an Identity Theft Report via Identity theft.gov, the XXXX, and an online Police Report but as of XX/XX/XXXX, XXXX XXXX have yet to correct their illegal mishap. 

I'm a resident of North Dakota, but I have been working at XXXX in XXXX as a XXXX XXXXXXXX since XX/XX/XXXX. I have never lived in Indiana, nor would I ever. I have also never traveled there, nor have I ever passed through it. I would never put myself in student loan debt, but it seems that someone has, and because they have my information, I'm afraid that they will be able to do so again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I'm unaware of this debt, I didn't have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide me the certified receipt with my signature on there stating that I received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I took my workmens comp settlement there because the check was a suntrust check and i figured they would cash it. I opened 2 accounts with them and was told the money would be available in 3 days. I went back and they told me there is a freeze on the check because the check was red flagged for fraud. I checked out XXXX reviews and this seems pretty common with them. They wont give me any info about how is it fraud. They told me i have to wait 15 days to determine if the check will be cleared. If not cleared they will send my check back in the mail in 30 days. I wish i would have never went to this bank. They are terrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit report contains unauthorized hard inquiries that I did not consent to. As this breaches 15 USC 1681c-2, I ask that you promptly delete them.

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