vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have opened a Chase checking account ending in XXXX back to XXXX XXXX XXXX. I had lost total amount {$11000.00}, my financial situation and my mental health got terribly hurt. I have tried to submit a clainm with J.P Morgan Chase, but unfortunately my cliam case got declined. 

On XXXX XXXX, XXXX, someone had hacked into my online banking, started making bill payment through online banking paying XXXX XXXX credit card since then, I had or have never received a notification message or email of someone logging in my online banking account. I also never had or have any account with XXXX XXXX. 

The payment started from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I did not receive any notification by phone/text/email either someone logged in my online banking or made credit card payments. 

Here are all the fraudulent transactions, total amount {$11000.00} : XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$470.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$350.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXXXXXX XXXX, amount {$400.00} XX/XX/XXXX : Online payment XXXX To XXXXXXXX XXXX XXXX XXXX, amount {$400.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$500.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$440.00} XX/XX/XXXX : Online payment XXXX To XXXXXXXX XXXX  XXXX XXXX, amount {$500.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$370.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$280.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$2000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$1000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$2000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$1400.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$520.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$100.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$410.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$150.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$30.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$230.00} Please help me! Our family needs the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I had XXXX XXXX service and always paid my bill but i found a more economical way with XXXX XXXX XXXX, then i called XXXX XXXX  to cancel my service, they told me to mailed the equipment back to them which i did through XXXX But later got a bill saying i have a balance for the tv equipment that wasn't return, even though i told them that a have the receipt, still they proceed to charge me {$470.00}, they also say included in the payment was a fee of {$140.00} below is whats on my credit report. 

SEQUIUM Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly. 
SEQUIUM Reported : XX/XX/2023 {$470.00} Outstanding * Payment historyNo history is available * Monthly Payment Amount $ XXXX Source TypeCurrent RatingCollection/Charge-off * Account detailsAccount XXXX OpenedJul XXXX, XXXX ActivityDec XXXX, XXXX XXXX XXXXStatusOpenTypeIndividualHigh Balance $ XXXX Balance $ XXXX Adverse RatingCollection/Charge-offMost Recent Adverse RatingCollection/Charge-offCommentsAccount Information Disputed By Consumer * Collection agencySEQUIUMAccount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " Comenity Bank XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that XXXX XXXX respond but not for up to 90 days. 
I then searched online and found numerous other complaints about both entities, Comenity Bank and XXXX XXXX XXXX. 
These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Wrong address wrong social security Open account wrong person

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 2023-12-21 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-21 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
The following account listed below was paid on time. Please correct and forward to me an undated copy of my credit report. I will attach my current credit report showing that you are the only credit reporting agency reporting a late payment in XX/XX/XXXX. Your prompt attention in this matter is greatly appreciated : XXXXXXXX XXXX XXXXXXXX

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 2023-12-21 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: NC

Complaint narrative:
I reviewed my credit report and noticed fraudulent accounts that I did NOT authorize on my credit report and its preventing me from receiving new 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 non-monetary relief
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
I reviewed my credit report and noticed fraudulent accounts that I did NOT authorize on my credit report and its preventing me from receiving new 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
I had account on Wise, I was doing a small business on XXXX through this Wise account and suddenly my account has been closed without any prior message or email.I am sending emails but no one is giving answer, I mentioned my bank account when i submitted appeal but i have got only XXXX dollars and my account had more than XXXX dollars and more money was about to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CO

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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 2023-12-21 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: CO

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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 2023-12-21 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: IL

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported 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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
Basically what happened was usdirectexpress. Let v someone inn Virginia accessed my acct. taking close to XXXX dollars. Then locking me completely out of my acct for XXXX months now. I contacted the XXXX XXXX XXXX. They told me I o can not file a complaint until I provide bank statement from us direct bank. I am completely locked out of my acct. Direct express bank statement to my own acct. I am starving and broke and rent i due. They are going too me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-12-21 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CO

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I am an XXXX XXXX XXXX woman who was duped on the phone by a group of criminals who claimed they were from my bank on XX/XX/2023. They told me that someone had stolen my identity and they would help me to close down all of my accounts. However, after I got off the phone with them, my daughter told me that it was probably a fraudulent call. We immediately froze my bank accounts and called each of my credit card companies. We also filed a police report. When I called Capital One on the night of XX/XX/2023 to report what had happened, they told me there had already been a charge of {$13000.00} and asked if I made that charge. I told them I did not and they removed it from the account. However, after their initial investigation, they put the charge back on my account. Capital One then requested a copy of the police report. I provided them a copy and now they are telling me that their case is closed and that they will not be reversing the charge. They said that because I had " authorized '' the charge, it was not fraud. I told them that I obviously did not " authorize '' the charge because the people on the phone never asked me to authorize a charge and they were lying about who they were. I don't understand why Capital One will not reverse this charge when my bank and all my other credit cards immediately reversed the charges that the criminals made. The charge remains on my account and has now added interest and late fees. I have tried numerous times to contact Capital One and to ask what other information I can provide for them to reverse the charge. They told me the case is closed and they will not reopen it and that I remain responsible for the charge. The last XXXX digits of the case # is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX i placed and order with who u thought was XXXX for XXXX. The next morning I noticed the payment when to a company I never heard of.. I called Chime , Inc to report XXXX they told me I was not approved for a provisional credit and I should kane a resolution by XXXX 2024.. XXXX XXXX XXXX?? FOR A FRAULENT CHARGE... I've called numerous times to get no one that knew what they are talking about.. I mean again this is fraud and I can't get my money back.. I've found others that the same thing happened to them. Chime is Stating they are following regulation XXXX .... my dispute does not fall in that category.. I'm so at a loss.. I am a single woman I don't have the money to just throw away and it was an XXXX gift.. moving forward I will talk so bad About chime to anyone that will listen.. I have a XXXX disorder and if I end up in hospital over this ... CHIME GOING TO BE PAYING FOR A LOT MORE THAN MY DISPUTED CHARGE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt collector has called me up to 12 times a day sometimes within 20 minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.

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 2023-12-21 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief