vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
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 Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, digital, and telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX  State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX of 2024, I zelled XXXX dollars to the wrong person. I didnt realize until 9 days later. The person filed a claim with their bank ( XXXX  XXXX XXXX ), and on XX/XX/XXXX, the money was taken out of their account and sent to my bank ( chase ). The money never arrived in my account and XXXX says there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I paid my XXXX account on time everytime I need this delinquency removed as soon as possible

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 2024-08-27 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: IL

Complaint narrative:
I paid my XXXX account on time everytime I need this delinquency removed as soon as possible

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 2024-08-27 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: NY

Complaint narrative:
iam XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX ss # XXXX todays date XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX XXXX of XXXX Account number : XXXX Dates reporting NOT Accurate : XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 
THE OTHER XXXX BUREAS HAS THE CORECT REPORTING EXPERIAN IS ONLY BUREAU SHOWING INACCURATE REPORT USC 1666B TIMING OF PAYMENTS Thanks for your help, 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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After carefully reviewing my latest credit report, I noticed several unauthorized accounts that appear to have been added without my consent. I believe these are incorrect.

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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon thoroughly inspecting my recent credit report, I've identified multiple fraudulent accounts that were added without my awareness. I believe these are mistakes.

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 2024-08-27 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: RI

Complaint narrative:
They took a payment when I was on a forbearance. I have been trying to get the payment returned and a letter for my bank due to the bounce check charges it caused since. I was told 26 business days, after that I was told they would escalate, a month later I called again and was told it was escalated but nothing has been done but its not closed and they don't have a time frame. They should not have taken the money to begin with, have agreed they should not and that they will return it but still have not done so. I would like the refund and a letter stating it was taken from my bank in error. I did attached a screen shot of the email telling me about the forbearance but they have since changed systems and I no longer have access to the actual letter since it was in the old system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>. I applied for an Avant credit card. I was approved for XXXX. Company could not confirm my phone number a XXXX  part of the application process to receive and complete the application. It was problem broken at their end I called several times and was given the run around. I NOW DO NOT WANT TO DO BE SOMETHING BUSINESS W THIS COMPANY.. I REQUEST TO RECIND MY APPLICATON. AND ALSO TO REMOVE THE HARD INQUIRY FROM MY CREDIT REPORT NOW. They are a garbage company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX my Alaska XXXX Bank of America credit card was stolen out of my wallet. The card was used in person the same day as follows : XX/XX/XXXX {$200.00} at target XX/XX/XXXX {$1300.00} at XXXX XXXX XX/XX/XXXX I received text notification from XXXX & A that possible fraud activity occurred on my card. I realized my card was not in my wallet and I immediately canceled my card and requested a new one. I filed fraud claims on both charges. 

I just was made aware that Bank of America is unable to approve my fraud claim with the statement as follows we confirmed your card was used for the charges. The chip was read, your pin was entered and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. Bank of America then placed the fraudulent charges back on my account balance. I called customer service who is absolutely no help. My card was stolen and these charges were not made by me. It is absolutely ridiculous for a customer to be responsible for fraudulent charges even if it was made with a stolen card in 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 monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Jp Morgan violated 15 U.S.C. 1611 part of the Truth in Lending Act ( TILA ) as well as XXXX XXXX XXXX also violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated15 U.S.C. 1611 part of the Truth in Lending Act ( TILA ) XXXX XXXX XXXX are included in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX and 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 2024-08-27 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: NY

Complaint narrative:
It was reported to TransUnion on XX/XX/XXXX that there were several fraudulent inquiries appearing on my credit report. However, the inquiries continue to appear. Please see the attached list of inquires highlighted in yellow.

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 2024-08-27 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiry in question is as follows : BANK OF AMERICA - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize this inquiry, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation and removal of this inquiry.

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 2024-08-27 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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 2024-08-27 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: MOHELA
State: WA

Complaint narrative:
Discovered fraudulent student loan in my name on credit report. 

Account name MOHELA/DEPT OF XXXX Account number XXXX .... 
Recent balance {$1800.00} as of XX/XX/year> Date XXXX Status Open/Never late. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Address identification number XXXX Type Education Terms XXXX Months Credit limit or original amount {$2000.00} High balance Not reported Monthly payment {$22.00} Recent payment amount {$32.00} as of XX/XX/year> Date of status XX/XX/year> Responsibility Individual

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
XXXX presented XXXX cards in an email to me on XX/XX/year>. I applied for XXXX, the Revvi card. There was no mention of fees to pay other than an application fee. However, when the card arrived on XX/XX/year>, it arrived with quite a long list of additional fees to pay that were quite expensive. I learned that my bank account had been charged {$31.00}, an amount for which I received no adequate notice. I realized it was a scam, so I sent back the card with a letter stating my demand for a refund and to close me out as a customer. I sent it via XXXX Certified Mail with a Return Receipt requested. The Return Receipt arrived with no official stamp or signature. I also was told that again {$31.00} would be deducted from my bank account. This combination of unorthodox details pointed to a scam for sure. 

I am collection-proof, in a very bad financial situation, and my mistake was in believing that XXXX was a reputable credit bureau, unless some scammer is using that name to defraud people. I would never have applied if I had not felt secure when dealing with what I erroneously believed to be a reputable institution. 

I am a published writer in XXXX languages and will not hesitate to make this scam known to the public. I feel that XXXX should also be investigated for appealing to prospective customers about an institution that is most definitely not reputable. 

The name " XXXX '' will never be respected any more after this scam. I am insisting that all record of me be deleted and proof of the deletion sent to me via XXXX Certified Mail asap! I want never again to hear from Revvi and I will need to investigate the matter with XXXX. This scam might be one that an impostor has created using the XXXX name. I have since seen the name XXXX connected with other financial operations, but I want out and never again to hear from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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