vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I sent JP Morgan Chase absolute proof that I was in a different location the exact minute when my credit card was fraudulently charged for {$130.00} by an individual who obtained a " merchant '' account. Details below. I believe that Chase 's refusal to reverse the charges is evidence that the company ( and XXXX XXXX in particular ) is supporting criminals who steal money from American citizens. 

The individual with a " merchant '' account is a known criminal who steals credit card information. You can see an example online at ( XXXX XXXX XXXXXXXX ). I filed a police report and it is currently being investigated. I sent Chase a copy of the confirmation that it is being investigated by police. 

More importantly, I gave Chase a copy of a receipt showing that I was traveling in a different location at the exact minute that this criminal charged my credit card. The credit card was fraudulently charged on XX/XX/year> at XXXX Eastern Time ( XXXX XXXX, XXXX XXXX XXXX and my receipt from traveling with a different vendor was on XX/XX/year> at XXXX Eastern Time ( XXXX XXXX, XXXX XXXX XXXX. 

The Chase fraud department admits that they have no evidence that the criminal provided my any services. In fact, they didn't even contact the vendor to request evidence! They admit that they have a receipt that shows that I was in a different location. But they still support the criminal and refuse to reverse the charges. 

Given the proof of fraud, I can only assume that either the Chase fraud department is receiving kickbacks from criminals stealing money or that XXXX XXXX has told his employees to ignore fraud claims and support criminals who steal money from American citizens. 

I will be sharing information on my web page as well as every other place of the Internet about my experience with JP Morgan Chase ( XXXX XXXX ) facilitating theft. It is important to warn others about criminals and those who actively support criminals ( i.e., XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I took a loan from Toyota Financial Services I set my loan up for the payment to be automatically withdrawn from my checking account. When I was setting it up a late fee was put on the loan. In XX/XX/year> i was told that any payments over the amount due would be applied to the principal of the loan. I am coming to the end of the loan and I noticed the late fee is not being applied to the loan. Toyota is just taking the money. I have attached XXXX and XXXX 's Billing statements. You can see the late fee is not being applied to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
Im a victime of identity fraud my information was used back in XX/XX/XXXX for fake fraudulent check I also have loans and a credit open on my name that I have no record of Im also unable to get a bank account due to all of the fraudulent activity

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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Complaint # XXXX Reference # : XXXX ; XXXX A complaint was filed XX/XX/24 for XXXX accounts listed on my credit report from LVNV Funding and Resurgent . A response was received on XX/XX/24, in the attempt to validate the debt. 

Please let me inform you that the fact that a debt is owed doesn't give you legal right to collect on a debt. 

According to Florida 's statues of limitations, these accounts are passed the statues of limitations. You're reporting inaccurate information on my credit report which is a violation of the FDCPA and 15 U.S.C 1681. " Immediately remove any derogatory reporting to the credit reporting agencies within 7 days or consider this as a contrastive notice of impending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These records have severely disrupted my life, leading to considerable distress. I must emphasize that I never sanctioned or agreed to have this information associated with my identity, as I am a victim of identity theft.

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 2024-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
To whom it may concern, I have attempted to file for forgiveness of the Navient private student loans due to the school misconduct as identified by the U.S. Department of Education for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and all XXXX XXXX ), with federal student loans being forgiven as of XX/XX/year>. I am submitting a new application as provided by Navient with additional support in attachments. 

In the initial denial letter from Navient, they did not provide any details as to why the application was denied, with online posts on social media showing that they have accepted other applicants for the XXXX XXXX for the same reasons I am claiming. I believe that the misrepresentation and fraud confirmed by the U.S Department of Education on the federal loans should apply to the private loans with Navient, regardless if they change who is servicing the loans ( now changing to XXXX starting in the XXXX XXXX, with recent notices of this transition ). 

Thank you in advance for your time. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: PA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-15 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: PA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I took out a consolidation loan for {$15000.00} They offered to pay off my creditors. They sent the electronic payment to the wrong account for my XXXX payoff. Ive been trying to get this taken care of for months and i get no cooperation from FNBO, who I took the loan out with. XXXX XXXX XXXX XXXX and I dont need this stress. Its impossible to get a hold of someone. XXXX said they did a search and couldnt find the money. Can you please help 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 2024-07-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-15 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-07-15 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: FL

Complaint narrative:
Im a victime of identity fraud my information was used back in 2021 for fake fraudulent check I also have loans and a credit open on my name that I have no record of Im also unable to get a bank account due to all of the fraudulent activity

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 2024-07-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im a victime of identity fraud my information was used back in XX/XX/XXXXfor fake fraudulent check I also have loans and a credit open on my name that I have no record of Im also unable to get a bank account due to all of the fraudulent activity

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 2024-07-15 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We had someone hack into our bank account and put his phone number in to have verification codes sent to his phone when he transferred XXXX out of our account in XXXX different transactions. As soon as we received notice that there were transfers I called the bank and also forward the note to our banker- it said at that time the transfers were pending. They didn't stop them and let them go thru - telling us they have to contact the banks where the money went to get it sent back. 
transactions : XXXX and {$7000.00}. After the first XXXX transfers I was told to change our bank account - user name and password - I went to the bank and did that - 2 days later wire transfer application set up under new account number - called the bank and sent info to our local banker - next day XXXX comes out it says pending. they did return the XXXX and XXXX - but we can't get them to pay us back the XXXX because they said the bank it went to won't return it. Why do we lose that money because they didn't protect us. What is the insurance for that we are suspose to have on our accounts. We closed all the accounts with XXXX exception for that bank and opened new accounts in different banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MD

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Please see attached

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