vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
Date of Incident : XXXX XXXX XXXX  Description of the Incident : On XXXX XXXX XXXX, I received a text from Chase Bank regarding a declined transaction of {$500.00} at XXXX  XXXX XXXX XXXX charged to my credit card. Responding that the transaction was unauthorized, Chase Bank closed my card and issued a new one. 

Upon reviewing my bank account, I noticed a pending {$500.00} transaction to the same merchant, XXXX XXXX XXXX XXXX. It was later discovered that there were two attempts of {$500.00} transactions, with only one being declined. Believing this to be a case of identity theft, I reported the situation to Chase Bank. I mentioned a recent incident where my wallet was temporarily lost but returned with all cards intact, raising the possibility of information theft. 

Chase initially reimbursed the {$500.00}, but approximately one and a half months later, the charge was reposted to my account. Chase explained that the merchant had successfully disputed my claim, presenting a copy of my driver 's license as authorization proof. This evidence was accepted without verifying the current validity of my ID or investigating how my ID was obtained by the merchant.

Additional Concerns : Inadequate Verification of Fraudulent Activity : The bank accepted the merchant 's proof without cross-referencing it with my current identification or considering the possibility of identity theft. 

Questioning of Lack of Police Report : Despite not having concrete evidence to file a police report at the time of the wallet incident, Chase representatives repeatedly questioned why I had not made one. This line of questioning disregards the complexity of identity theft situations where evidence is not always immediately apparent. 

Potential Internal Security Breach : Ironically, the last known instance of my ID being copied was at a Chase Bank branch. This raises concerns about internal security and the handling of personal information. 

Inconsistent and Incomplete Investigation : In a conversation with a Chase representative, after several attempts to reach a U.S.-based agent, the representative inquired about additional transactions not reflected in my statement. The representative offered to send me this information, but I never received it. This incomplete and inconsistent handling of the investigation further demonstrates the bank 's inadequate response to the situation. 

Lack of Support in Fraud Resolution : Despite my efforts to dispute the charge and provide context, the bank has not adequately investigated or resolved the issue, leading to financial loss and concern for my identity security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Request for Correction of Credit Report Information Dear Experian, I am writing to bring to your attention several discrepancies in my credit report. 

XXXX XXXX has been removed from my credit report many years ago. There seems to be a duplicate report for XXXX XXXX and XXXX. 

Additionally, DEPT OF ED/XXXX has inaccurate information regarding account details and balances. 

Specifically, concerning XXXXXXXX XXXX XXXX and XXXX XXXX  accounts, they have already been removed due to either the statute of limitations or the inability to validate the accounts. 

Moreover, XXXX XXXX has exceeded the statute of limitations and failed to provide validation for the debt. XXXXXXXX XXXX has also surpassed the statute of limitations and should be promptly deleted from my credit report, as verified with the Attorney General of Ohio. 

Furthermore, the XXXX XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Your prompt assistance in addressing these matters is greatly appreciated. 

Sincerely, XXXX XXXX formally known as 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reporting is inaccurate and is in violation of the Fair Credit Reporting Act. I am writin15 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. 
g to dispute inaccurate information on my credit file, which has been reported by Experian. This agency violated my rights as a consumer. 

accounts in questions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I sent in my Employment Verification as XXXX XXXX XXXX XXXXXXXX XXXX to Mohela as I am eligible for the Public Service Forgiveness due to the new guidelines. Per the paperwork I had to be in an IDR  which I did and my payment was more than my previous payment while not in the IDR. It also stated on the paperwork my loan would be placed on Deferment/Forbearance until the PSFL was reviewed and it was not. When I requested, they place it in deferment/forbearance, I never recevied a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CT

Complaint narrative:
XXXX XXXX XXXX may have made an inquiry on my Experian credit report, even though I had made no request for a card or credit. 

- When the loss or theft of personal information occurred or when the fraud ( s ) occurred : XXXX XX/XX/XXXX- How you discovered or learned of the theft : Experian reported to me that there had been a hard inquiry on my credit report. 

- Any known information about the perpetrator : Experian identified " XXXX XXXX XXXX '' - The names of creditors and account numbers involved in the theft - The filing date and case number : I filed a dispute with Experian XXXX XX/XX/XXXX. They indicate Report Number is : XXXX Investigation ID is : 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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I received a text from my bank 's fraud department, asking me to verify 2 identical transactions. I let them know they were not my transactions. They stated an investigation would be done and my money refunded. The 2 charges were not refunded and they posted to my account. The 2 transactions were {$91.00} for a XXXX purchase. Totaling {$180.00}. Those transactions caused me to be late on other financial obligations. They canceled my debit card.

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 monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

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., has violated my rights. Account name : Midland credit management 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have requested a full documents from Wells Fargo as it pertains to my dispute under XXXX when I received merchandise that was broken and damaged and the seller had prior knowledge of the issues and the seller still sent the merchandise out anyways. Wells Fargo has not sent any documents to me or how they opened the dispute with Visa themselves SEE ATTACHED LETTER

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I received letter from Mohela that they bought my student loans. I went online and applied for forbearance, because I'm unemployed and I received a letter from Mohela stating my payments will be {$0.00} for 12 months, effective XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating effective XX/XX/XXXX, an amount of due of {$130.00}. I would like for Mohela to be investigated for manipulation my records to reflect incorrect timeframe of debit being collected. Based on the special loan program called SAVE plan, which I applied and received confirmation there's no payments due. Also, Mohela has sent a letter stating this same account is in default which its not. This student loan company has brought great hardship and mental stress and the inaccurate information have a adverse damage to my credit via the reporting credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I paid Avant {$30.00} and {$35.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX {$20.00} which the monthly payment is $ XXXX Avant payments due date is the XXXX of each month. The Avant one time annual payment was {$39.00} and the Avant recurring monthly payment is {$25.00} = {$64.00}. Then I paid an extra {$25.00} on XXXX Avant put down a late payment charge when my payment was not late. 

Now Avant claims I owe {$15.00} of late payment. 

Avant is trying to fraud me and I am furthering to file a fraud complaint with FTC and the Department of Justice. They are trying to enrich themselves and frauding customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

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., has violated my rights. Account name : XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
I have received 6 emails from two Experian representatives. 

XXXX XX/XX/XXXX XXXX Experian smart money digital checking account with {$1000.00} offer XX/XX/XXXX XXXX New Credit card offer XX/XX/XXXX XXXX balance ( {$960.00} ) transfer offer to a new card Due to the nature of credit report company, thy company must know the customer 's monthly payment ; therefore, I need to ask which month of credit card owing amount you mentioned here. I have checked the credit report from XXXX at this moment, and unable to find out any month in which I was charged {$960.00} for more than 2 years. Kindly, would you explain this discrepancy with another major credit report company in the United States, as another major credit report company, Experian. 

XX/XX/XXXX XXXX view full credit profile, which usually ended up to the credit card offer site XXXX XXXX credit report, which is same. I requested to send the formal printed out report, if this office and other office continues to change the content. Just give me the printed one as their evidences, compare the contents, and disputes.

I attached the screen shot of one email which this office says the important information. There are two issues. I continued to send the printout to the office, XXXX XXXX XXXXXXXX, XXXX, TX XXXX, the copies of social security number and driver 's license, same as other credit reports companies. I realized this addressed Experian office asked me the removal of my name from pre-approved credit offer mailing lists. This office sent me another postcard yesterday. In total, this office sent same postcards, which scanned and attached at least four times. In email from above-mentioned which starting from 'dispute ' asked me to submit my personal identity proof and address proof, such as " One copy of a utility bill, bank or insurance statement, etc., '' which I have never asked to be submit by other credit union companies, except recently received credit card offer company, 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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: DE

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., has violated my rights. Account name : XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: DE

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., has violated my rights. Account name : Self lender 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed. I contacted them several times and was advised that they havent updated my account information since XX/XX/2023 even after I made payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

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. I told Equifax reinvestigate these Hard Inquiry : However, they stated everything was complete and accurate. 

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 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 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 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 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waterfall Revenue Group
State: DE

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., has violated my rights. Account name : Waterfall Revenue 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.

Company response to consumer: Closed with explanation