vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Per the fair credit reporting act, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you. Written unwritten verbal and non verbal per 15 usc 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Problem with PayPal : when I set my preferences for online payment to withdraw from checking it does not clearly do so. Transactions are then executed from wrong source, overriding consumer intent. 

In settings, I have " Your preferred way to pay '' set to withdraw funds from my bank checking account for online purchases. On XX/XX/24 I made a purchase for {$400.00} using PayPal. Unfortunately, because of a misleading interface design, my preferences were overridden and {$400.00} was taken from my PayPal account rather than checking. 

First, at the account settings panel called " Money, banks and cards '', I set my preferred way to pay to withdraw funds from my bank. After setting this, the consumer should be confidant that funds will come out of checking. It specifically states " online purchases '' here are no other warnings or indications. 

The problem is at the bottom of the " Money, banks and cards '' settings panel is another section called " Automatic payments ''. It is hidden out of view in most browser windows. Moreover, the consumer has to select and open this to manage preferences. 

This needs to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX US BANK FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH US BANK FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, US BANK HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX BANK REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

US BANK Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX US BANK Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX US BANK Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.

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 2024-03-02 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: IL

Complaint narrative:
i just recently looked at my credit report and noticed that things were inaccurate with a few of my accounts. i want to make sure that everything is 100 % correct and accurate can you please reinvestigate the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
Calls at least a dozen times a day from multiple different phone numbers and unknown/unlisted numbers. Calls begin before XXXX and after XXXX. XXXX allows for XXXX call per day for the purpose of debt collection. Violation of this policy may invalidate any debt owed per state regulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX ( FINANCE ) XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
other credit bureaus is not reporting this information delete XXXX XXXX XXXXXXXX from my account XXXX EVIDENCE IS ATTACHED BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am reaching out regarding an account that is placed on my credit report. This account is an identity theft account. I have no knowledge of this account, yet this account is still on my credit report. I have submitted proper documentation to support that this account is fraudulent. This account is flagged as a charge-off/collection account. As a consumer, I am aware that this creditor was supposed to send my 1099-c from proving that this company has used my account to cancel out the debt and use it for tax purposes. Because they did not make me aware of this, this is considered tax fraud. I am also aware that because this account is a collection, I was supposed to be provided the orignial contract, the company 's errors and omissions policy number, the chain of title, and I have not been provided any of these things. This account has been hindering me and is causing me to harm my financial reputation. Please send me the appropriate documentation or delete this fraudulent account. This is ridiculous at this point. 

Wells Fargo/Dillards Account Number : 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 2024-03-02 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: AZ

Complaint narrative:
This credit reporting agency continues to unapologetically report fraudulent information on my consumer file. I have sent in a certified letter showing proof that the account they are reporting is currently in litigation for Fraud and this reporting agency is still reporting this erroneous account on my file. I am now forced to file a civil lawsuit in federal court against them which is costing me more time and money. This company repeatedly reports unverified information because the company reporting the tradeline pays them. This company doesnt seem to take federal laws seriously and continues to violate my consumer rights costing me loss opportunities, time and cost. This company needs to be held accountable and these federal agencies that claim to be in place to protect the consumer need to take legal actions against them.

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 2024-03-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This credit reporting agency continues to unapologetically report fraudulent information on my consumer file. I have sent in a certified letter showing proof that the account they are reporting is currently in litigation for Fraud and this reporting agency is still reporting this erroneous account on my file. I am now forced to file a civil lawsuit in federal court against them which is costing me more time and money. This company repeatedly reports unverified information because the company reporting the tradeline pays them. This company doesnt seem to take federal laws seriously and continues to violate my consumer rights costing me loss opportunities, time and cost. This company needs to be held accountable and these federal agencies that claim to be in place to protect the consumer need to take legal actions against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In early XXXX of 2024 I opened a CD in the amount of $ XXXX dollars with Chase bank. Late XXXX I noticed this CD was no longer showing up on my Chase app so I went online via my personal computer and had the same issue. I sent a secure message online and also called Chases customer service up and they could see the XXXX but said there was an issue with it and they couldnt tell me what the issue was but that someone would call me yesterday XXXX at XXXX to let me know the resolution. I expressed concerns that no one at XXXX had proactively contacted me to tell me that there was an issue and that my funds were no longer there. I spoke with XXXX XXXX representatives later in the day yesterday. Neither of them could tell me what the issue was or the timeline for resolution. Today XXXX I received a message via the portal that the issue was solved, but when I looked at my account the funds shown in the account had $ XXXX missing. ( The account only had $ XXXX not XXXX in it ). I sent another secure message about this but am very concerned that XXXX is either negligent in their banking and customer care or intentionally stealing money from my account. The problem has still not been resolved despite me spending hours on the phone trying to understand the issue. Needless to say I have XXXX faith in Chases ability to securely hold my money and need help ensuring my funds are restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2024-03-02 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: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00} Inquiries XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After multiple attempts of certified mailed letters asking to validate the actual accounting of said debt, they have insisted on only sending me an obligation of debt and nothing more. Previous complaints made to CFPB can explain the issue at hand. But most recently PRA group responded to a CFPB complaint by saying that theyve opened an investigation into the complaint, ceased communication with the consumer, and notified the consumer reporting agencies of the dispute. I can Confirm that this is in fact False and a violation of 15 USC 1692 ( c ). I have Attached with this complaint, another letter that was sent AFTER ( XX/XX/year> ) their response to a previous complaint ( XX/XX/year> ) where they stated they would cease communication until this investigation was resolved. Furthermore, this letter clearly states that this is not an attempt to collect a debt yet they keep reporting negative items to my consumer report. This is yet another violation of 17 CFR 240.15c1-2 Fraud & Misrepresentation. If they can not produce the Validation of debt, if they are not attempting to collect the debt, and if they persist on harassing me for a debt that has previously been discharged by the bank they purchased it fromwhy are they allowed to continue to destroy my livelihood via my consumer report? Their unprecedented negligence & fraud has led to a complete destruction of my quality of life and they must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Experian XXXX XXXXXXXX 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  XX/XX/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 2024-03-02 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I opened a dispute on a product sold on Amazon.com after the product became dangerous and caused one of our family members to experience a XXXX XXXX. I was not credited {$76.00}. Before filing this dispute, Amazon also gave me the runaround promising a refund and a free shipping label. After several attempts via phone and chat, NONE were provided. Amazon has lied to many customers repeatedly and i myself and my family have proof of this. Upon further investigation, we can only conclude others are facing this same issue with both Amazon and Synchrony Bank doing these horrible unlawful things and they are doing it together. ( Back to the Synchrony Dispute ).. I filled out the Dispute form on this same said day and gave all of the required documentation and information requested. I was not ever credited even temporary on my account and this bank is not cooperating in any way shape or form via chat, and or phone. This bank is not following The Fair Credit and Billing Act of 1974 and has no regard for their customers or the laws setfourth under our legal systems by congressional ruling. I highly suggest you look into this unfair and corrput Billing and Banking practices, as we are now pursuing a class action against both corrupt " companies '' 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 monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Greetings. 
I believe we were taken advantage of by PHH mortgage by burdening us with a " bad mortgage product '' based on several observations. A. We do not have the income to live and afford a large house payment. And each time that I've asked PHH mortgage rep 's what their income requirements were for a {$1200.00} house payment were, I've been disconnected or have been told, no supervisor available. Seems like a " red flag '' for a predatory lender. We have been here for 7 months now and every month I've pulled money from our savings account to either pay bills and to live! For example to be able to rent in this area you need income approximately 3 times what your rent would be. At the end of the day after bills and inflated house payment are made we have approximately $ XXXX. 
To live. Better not have anything unexpected happen. 
B. My wife and I are both XXXX and over XXXX XXXX XXXX. 
C. We were living out of an RV for two and a half years before purchasing this house. 
Which mortgage lady, XXXX new. I did explain to her that we were comfortable with a $ XXXX payment, which then would have giving us approximately {$900.00} to survive the month. 
D. At the time this deal went through, XXXX of XXXX, the market was slow and mortgage people who were involved seemed to be more bent on just making the deal happen verses paying attention to clients actaul specifics, like income evidently. 
C. Also needed to add we found out about Ca. supplemental property taxes till after the deal was signed, unexpected {$700.00}. cost along with what this area calls the XXXX XXXXXXXX XXXX the house insurance another unexpected {$700.00}. charge! After I pull another {$700.00} From savings will be reduced to a XXXX XXXX XXXX  left.

Company response to consumer: Closed with explanation