vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
95 fraudulent transactions were made against our checking account totaling {$4100.00}. An individual hacked my online account, changed my address and ordered a new card. This happened on XX/XX/XXXX. I called my bank, Chase, on XX/XX/XXXX as soon as I realized the situation. I made a claim against all fraudulent transactions thru XX/XX/XXXX. I then called again on XX/XX/XXXX and claimed the rest of the fraudulent transactions that occurred. 

Of the {$4100.00}, Chase deposited {$3800.00} into my checking account ( {$280.00} than the reported fraudulent total ). Subsequently, on XX/XX/XXXX and XX/XX/XXXX, Chase debited {$2500.00} from my account. 

All transactions occurred in a foreign country. During this period, I and my wife were at home and we provided evidence of this to Chase via a signed letter from our employer. Chase indicated that was not sufficient and they needed video footage from our place of employment to evidence that we were there. During the period, there are legitimate transactions made in our home town that also showed that the card was present, yet Chase has indicated we have not proven the disputed transactions were fraudulent. 
Since first reporting the fraudulent transactions, I have met with Chase representatives 3 times at my local branch, I also interacted with them thru phone calls on the following dates : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX mins ), XX/XX/XXXX, XXXX, XXXX ( XXXX mins ), XX/XX/XXXX ( 2 hr 8 mins ). The last call ended with Chase hanging up on me after a 2 hour call when I asked to talk to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I am writing to formally dispute an account that has been reported under my name. I am a victim of identity theft, and the account in question was opened without my consent or knowledge. 
I have taken the necessary steps to address this situation, including filing a police report and a report with the Federal Trade Commission ( FTC ). I have also notified all three credit bureaus regarding this fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ) and 18 U.S. Code 1028A, I request that you investigate this matter and delete the fraudulent account from your records.

Please find attached copies of the police report and FTC report for your reference. I appreciate your prompt attention to this serious matter and look forward to your confirmation that the account has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
The following accounts are being reported with late payments, despite all payments being made on time, in full, and on the respective due dates : The late fees charged by Barclays Bank/GAP ( XXXX ) and the reporting of late payments in my consumer report are false and misleading. These errors have caused significant damage to my reputation, character, and overall quality of life, as well as affected my family. 

XXXX XXXX XXXX  XX/XX/year> XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XX/XX/year> 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 2024-09-29 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: GA

Complaint narrative:
After years of paying cash and not using or apply for anything with my credit, I checked today to see where my score was to purchase my daughter a car and to my surprise my credit reports has tons of incorrect and fraud items. I have contacted all 3 credit bureaus to delete and remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: GA

Complaint narrative:
After years of paying cash and not using or apply for anything with my credit, I checked today to see where my score was to purchase my daughter a car and to my surprise my credit reports has tons of incorrect and fraud items. I have contacted all 3 credit bureaus to delete and remove the 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 explanation
Consumer complaint received 2024-09-29 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: MD

Complaint narrative:
My identity has been theft. My address was changed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to another address which is never mine XXXX XXXX XXXX XXXX XXXX XXXX. 
My credit card was used unauthorized, but have reported to the bank involved. 
Am afraid that my information has been hacked and I dont want any credit to be issued using my info fraudulently. 
Thank you.

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 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : 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 non-monetary relief
Consumer complaint received 2024-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: PA

Complaint narrative:
Dear FTC and CFPB, I am writing to file a complaint against HUNTER WARFIELD , INC . I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
ATTENTION : XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Application Denial under XXXX XXXX XXXX and 15 USC 1691a Application Number : XXXX Dear XXXX XXXX XXXXXXXX, I am writing to address the closure of my Small Business Checking Account on XX/XX/XXXX, and the subsequent denial of my application for a new account. I am conditionally accepting your decision, pending receipt of verification of the legal basis for this denial. I respectfully request that you provide the specific factors and supporting documentation that led to the closure and rejection, along with proof that you possess the legal authority to retract my application. 

It is important to emphasize that the Equal Credit Opportunity Act ( 15 USC 1691a ) grants me the right to access credit. Denying this access without valid and lawful reasoning could constitute a violation of federal law, potentially amounting to discriminatory practices. Moreover, withholding access to my account could be seen as securities fraud under the relevant statutes. 

Given the circumstances of your denial, which appears to be in violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act ( 15 USC 1602 ), I formally request that you reconsider and retract your decision to deny my application. 

I trust PNC Bank will act in good faith and resolve this matter promptly, in full compliance with applicable laws. I look forward to receiving your timely response and the necessary documentation supporting your decision. 

Best regards, XXXX XXXX Without Recourse, All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT ) payments late year XXXX and charge off years 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 2024-09-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. Both of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that both of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-09-29 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: NC

Complaint narrative:
My student loan is broken down into XXXX different loans. I am paying the entire amount owed in XXXX lump sum. The company is applying over payment to some of the loans and missed payments to others. I discovered this in month XXXX of repayments beginning ( I believe XX/XX/year> ). I have sent several communications along with filing several XXXX  complaints. One issue that was determined is that they have my loans broken down into two groups ( Would have been nice to have been told that when I reached out prior to reinstating student loan payments ). The closest I could get to a resolution was them telling me to put in another message through their portal to request the consolidate my loans into XXXX payment, which I did. I am not sure if they followed through on their end or not. I can tell you from my math I owe {$1300.00} a month across all loans. I have been paying that every month. They have been applying it across loans of their choosing instead of spreading it out across the XXXX loans. Because they have been screwing this up since month one and have refused to go back and fix it since I brought it to their attention in month XXXX, I am constantly getting late payment notices. What I need the company to do is go back to the first payment I made and apply it correctly across all loans and then do that for every month until my most recent payment. I then need them to correct their system so that when I make my next payment it is correctly applied across every loan and not just their selection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to delete the following information on my account. The items have not been verified. I'm sure they don't belong to 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 non-monetary relief
Consumer complaint received 2024-09-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account belongs to the head signer. The car was sold or auctioned off no information was sent of what it was sold for. Some information you have on this report is inaccurate also some of my personal information is not correct. Also I have been a victim of identity theft fraud my social security number has been exposed Ive receive several notices of that. Also my name is a commonly used and has been found on accounts that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
There are unauthorized hard inquiries on my credit report that I did not authorize. Given the breach, these inquiries likely stem from the misuse of my information. Under 15 U.S. Code 1681b, only authorized inquiries should appear on my report. 

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

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 2024-09-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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