vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 between XXXX am - XXXX am a hacker broke into my online XXXX account and using my Chase debit card on file with XXXX withdrew XXXX transactions of {$950.00}, {$1300.00}, and {$3500.00} for a total of {$5700.00}. Then from the credit in my XXXX account that they now had access to, they transferred the funds to a XXXX XXXX which was not mine to purchase cryptocurrency. Additional transactions were attempted the same day in precisely the same format by the same fraudster, however, Chase realized this was a fraud and denied the remaining transactions. Chase notified me by text of the scam and asked me to confirm that it was not me initiating these illegitimate transactions. As soon as I woke up on XX/XX/XXXX, which was memorial day weekend, I notified Chase that I did not initiate the transactions. I immediately called the Fraud hotline and reported the incident. I later sent supporting documentation to Chase which included a police report and my XXXX account showing the money was gone. Additionally, I sent a transaction report of my XXXX account showing all the debits and credits in my account noting that none matched the withdrawals from Chase and transfers from XXXX concluding that I never received the monies withdrawn. My documentation also included a police report of the theft. Chase gave me a temporary credit for {$5700.00} reversing the illegal transaction and said they would investigate. On XX/XX/2021, Chase withdrew the tempory credit of {$5700.00} from my account and said they determined the transactions were legitimate. I escalated with the Branch and they did not change the determinations. I then escalated it the Executive Office and spoke to XXXX there and after redetermination he was unable to give me back my money. They said my case should have been with XXXX. So I contacted XXXX multiple times and they said since I initiated the fraud case with Chase, then Chase has to resolve and that Chase has the final say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/2019 Balance {$0.00} Status Open.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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:
FCRA violations : payments never late XXXX  Potentially negative Date opened XX/XX/2019 Balance {$0.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX XXXX  account # XXXX These accounts have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
There is an AMEX listed on my personal credit file which I haven't had an AMEX is over 7 years, this is inaccurate and needs to be removed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Pursuant to the attached XX/XX/XXXX email bonus offer, I opened a Citi savings account ending in XXXX on XX/XX/XXXX, funded it with a {$100000.00} deposit on XX/XX/XXXX, and maintained that deposit for more than 60 consecutive days, as verified by the attached transaction history for the account. Since I had a Citibank checking account and a Citi XXXX credit card prior to opening the savings account, I met all offer requirements and am entitled to a {$200.00} bonus and an additional {$250.00} special cash bonus. When I did not receive the bonuses, I complained in a online chat with Citibank on XX/XX/XXXX. The 30 minute chat resulted in the submission of a promotion dispute. In the attached XX/XX/XXXX reply the bank stated that it could not find the offer. I note that the Citi 's denial in this instance is identical to its responses to other similar offers in the past and demonstrates its shabby treatment of its loyal customers. Please assist me in obtaining my bonuses totaling {$450.00}. 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 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: OH

Complaint narrative:
Hello, I received a letter from Pro Collect Incorporated, with a settlement offer for 50 % of the original debt amount. I called because I wanted to pay the settlement amount of {$550.00}. The original balance is {$1100.00}. The settlement offer was good if received by XXXX When I called to make the payment, the representative indicated they would add an additional {$8.00} to the settlement balance. I indicated that this amount was not indicated on the settlement offer. ( If I had not called and just sent in a check for the amount {$550.00}, there would still be a balance on the account of {$8.00} ) I indicated to two representatives that the settlement letter only indicated {$550.00} due and that they would send a deletion to the Credit Bureaus, one of the representatives stated that I would have to send the letter to the XXXX to have the deletion completed. I indicated to the representatives that the letter is indicating verbiage differently. The supervisor said she wasn't going to argue with me and hung up the phone. I would like CFPB to look into this company for sending a settlement letter with one amount however trying to collect an additional amounts not indicated on the letter. Also, for including on the letter that they would delete the account from the XXXX, but when i called, I am being told it is my responsibility to do so. Thank you in advance.

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 2022-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
We bought our home XX/XX/2019 3 months after buying our home we had a chimney fire attic fire It's Been 2 years now and we're still not back in our home and we've been in forbearance we were in forbearance and forbearance was over we filed for last mitigation application they've lost our paperwork numerous times they switched processors for us and then that that didn't follow through and then now our house is being up for foreclosure because they keep putting us with different people different paperwork and I've submitted three different applications I've tried to get them to help me in any way possible I've had to hire an attorney to find the contractor who took off with our money for the insurance so the mortgage company won't help the insurance company won't help and now as of the end of this month we have nowhere to live and I'm still trying to work out the mortgage payment So eventually we'll have a home and I'm so frustrated I don't know what else to do with XXXX Every every time you talk to somebody there or somebody different you can never get a hold of the manager you can never get a hold of your person who's supposed to be your contact person they won't give you a phone number for him I'm just I'm beyond knowing what else to do and they don't help us and I'm so afraid we're going to forclose on us. They said they sent a loan modification that we were approved of at the end of XXXX and that we XXXX XXXX  for a living so we weren't home when the paperwork came so the post office sent it back and then I asked him to resend it again and then they said they took the loan modification away from us because the house was vacant which I know it's vacant because we can't live there because it's not livable yet. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is inaccurate there is a listing on my personal credit file stating I have a Macy's/DSNB charged off account which I haven't done business with Macys in 8 years. Please help

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

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 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I tried to talk to the company and the people are rude and disrespectful, advised that this is my son 's debt and that I was told by the company that my check would just add to his income, and asked them multiple times that I wasn't the cosigner and I was told correct. Then when this debt showed up on my credit I called the company and they had been bought by the school that my son was going to for similar tactics with students, my son left maybe XXXX weeks before his roommates and they received money back but they placed this as a credit collection. Again I have even disputed the debt and asked the company for a settlement amount and they advised they had no way to contact the company and I have tried and all numbers are disconnected. I feel this company used this false tactic and lied from the beginning. The company procollect is rude and calls at different times to the point I let it go to my voicemail.

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I lost all my cash app tag name and email also my phone number in order to access my XXXX stimulus check money payment from the IRS to cash app debit card and not even my ID or social security number card helps to access my account there in cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX CARD SERVICES Account # XXXX, has violated my rights. 
XXXX CARD SERVICES Account # XXXX, has violated my rights. 
BANK XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The inquiries that do not belong to me are, XXXX, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another XXXX XXXX XXXX The fraudulent accounts that I need deleted are XXXX  ( i looked this place up and i can not even fit anything in this store ), XXXX, XXXX and XXXX XXXX XXXX There are also multiple student loan account and all reporting late payments when I only have 1 student loan and I have never ever been late on any payments in my life. Also with the new laws and thing going on with the covid and hardships the student loans are not suppose to negatively affect credit reports. I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
Someone had opened a credit card in my name without my knowledge the card is from fortiva

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, Transunion, and XXXX an FTC report with my State ID.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, XXXX, and Equifax an FTC report with my State ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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 Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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 : Its also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft.

Company response to consumer: Closed with explanation