vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: PNC Bank N.A.
State: CO

Complaint narrative:
I placed XXXX orders for XXXX from XXXXXXXX XXXX XXXX XXXX XXXX. 
I didn't hear anything back until recently and they say I didn't send in my support information and I did via email and have proof XX/XX/year> for {$50.00} ( this order was never received, the company didn't track it, just mailed from overseas and it was probably lost. NO TRACKING or insurance ) XX/XX/year> for {$50.00} ( this XXXX arrived but it was expired, i sent photos to the company and to PNC ) the charges went through- XXXX XXXX mailed in all of the information they requested but they say they didn't receive it. I sent it in via fax and via email. I am unsure they would wait almost XXXX months to let me know they didn't receive any information from me. 

I have reached out to this company who sold this so many times and I know this isn't PNC 's problem but it shouldn't be this difficult to process a dispute that is so XXXX and XXXX and how am i sure they get the information I sent to them moving forward or ever? 


I sent the details to PNC via email and XXXX XXXX I have those saved sent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to request your assistance in investigating several unrecognized credit inquiries that have recently appeared on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was physically stolen and someone spent nearly {$700.00} at a bar. Im not even XXXX so I cant XXXX and have provided proof and nothing has been fixed. They denied both of my claims and said they cant open any more. And apparently the main reason is because the first phone worker I spoke to ( who could barely understand me ) put down the wrong info saying that I gave someone the card, which I most certainly did not. The card was missing from XX/XX/year> - XX/XX/year> and a total of {$670.00} was stolen. This is my reference number for the Chase Bank Claims : Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought and funded a Vanilla Visa Gift Card for {$500.00} at the end of XX/XX/year>. When I tried to use it for a small amount I was told the account was XXXX. I called number on back of card, they said a purchase of {$460.00} was made to XXXX. I didn't make this. I filed a claim. XXXX was XXXX with {$32.00} balance remaining. Called back several times then in late XXXX was told {$500.00} would be put into a card and expect it in XXXX days. It never came. Called in XXXX and was told I never signed the claim, had them XXXX  claim, meanwhile I found the claim and requests to complete it by e-signing it in an XXXX XXXX XXXX I signed and submitted received a receipt. Called back in XXXX and was told claim was denied and to look for {$32.00} on a new Vanilla Card in my XXXX which I received and spent. They aren't returning the {$460.00} nor explaining how XXXX got it without the XXXX  or XXXX XXXX I set up. Someone has my {$460.00}. Vanilla should be able to tell me who and how. XXXX spent it and received something. All I'm getting is " Claim Denied ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERYTIME I'M SEEING THESE FRAUDULENT ACCOUNTS, I FEEL SO STRESS, I WANT THESE TO BE TAKEN OF FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: IL

Complaint narrative:
I looked up number for XXXX XXXX to report funds taken out of my grandson 's account for {$20.00}. Person told me he would " test '' the app and had me input amount of {$2500.00} which I did but the amount failed. He then asked me if I had an account with Klarna or XXXX XXXX and I stated yes. He said he could send me a {$20.00} gift certificate and sent me a link https : XXXX XXXX XXXX XXXX XXXX XXXX which I clicked on and he accessed my Klarna Account and committed fraud for the amount of {$1100.00} by obtaining E Gift Cards from XXXX. He had access to my account telephone and email address since it is listed on the Klarna Account. My XXXXXXXX XXXX notification immediately texted my phone and notified that my bank account had been charged {$300.00} for the first installment of four equal payments. I immediately disconnected the call with " XXXX '' and he attempted to call back but I did not answer. The number he called from was XXXX. I contacted XXXX  and thet informed me that the E Digital Cards had been redeemed and I am having problems with Klarna in trting to have this charge removed from my account. I have obtained a police report and have documents from my bank that they are conducting an investigation and also XXXX who stated there is nothing further that they can do. 
Please let me know what other options may be available to get this issue resolved. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: DE

Complaint narrative:
My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-24 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-07-24 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: NY

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-07-24 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: AL

Complaint narrative:
Formal Complaint Regarding Inaccurate Reporting on Credit File I am writing to file a formal complaint regarding the inaccurate reporting of XXXX XXXX - XXXX on my credit file. Specifically, the credit report in question repeatedly displays 30, and 90-day late payments with additional repeating payment statuses from the beginning of XX/XX/XXXX until this present time ( XX/XX/XXXX ), every month has a repeating payment status which are inaccuracies that negatively impact my creditworthiness. 

This marks my FOURTH request for investigation into this matter, emphasizing the serious repercussions for my financial standing. Please reference CFPB complaint XXXX XXXX, XXXX, XXXX Such inaccuracies not only breach the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer credit information, but they also have significant repercussions. These inaccuracies unjustly extend the statute of limitations, thereby greatly impairing my ability to obtain credit in the future. This misinformation undermines my financial credibility. 

In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address and social security card to verify my identity. Additionally I have added proof of the inaccurate payment history beginning on XX/XX/XXXX until this present time ( XX/XX/XXXX ), and the credit reporting companys prior investigations. 

Thank you for your immediate attention to this matter.

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 2024-07-24 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-24 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:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
FNBO closed my credit card account ending in XXXX without prior notice or without my consent. They are in violation of 12 CFR Section 226.11. They are also not accepting my method of payment to set off the account and that there puts FNBO in violation to 15 USC 1693o-1. To add, the account ending in XXXX was in dispute and they still moved with closing my account unlawfully.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Privacy and confidentiality under 15USC 1681. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MO

Complaint narrative:
Privacy and confidentiality under 15USC 1681. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
I am a first time homebuyer I purchased my house on XX/XX/XXXX. I had to add my mother to my mortgage because I was unable to be approved with the amount I made. I was guaranteed that my mortgage payment would not go up significantly by my mortgage broker they of course did all my underwriting and know I can not pay a XXXX more than I did. My note was XXXX it went up to ( XXXX ) after my escrow analysis ( it was not my insurance it was my taxes ) my escrow analysis was due to be done on the anniversary of my home purchase!!!! It should have been XX/XX/XXXX. I did not receive an escrow assessment until The end of XX/XX/XXXX 8 months late. When you call planet mortgage lending, there is even a part of the phone call that says your escrow analysis is done on the anniversary of your home purchase but mine wasnt. I feel like this is predatory lending that they knew I couldnt afford this giant jump in my note so I would either have to refinance or sell, which is where Im at. I had to use a credit cards to pay the difference on the last two house notes putting me more in debt. And Im still saving up this month to pay the note. I called and talked to five different departments. I talked to over seven people, my original mortgage loan processor said not her problem. Call someone else. I did talk to several people that said they would put the payments over a 24 month period to make my note less. I told them my note needed to be under XXXX for me to afford it, they gave me two escrow analysis One in XXXX and one in XXXX they both are over that amount. As a first time homebuyer, I know that if they would have given me my escrow analysis on time, I would have had the months of XXXX, XXXX, XXXX, XXXX, and XXXX to file for homestead exemption. Therefore, my note would not have went up because they did not do their job in the correct time frame My note is now unaffordable. I did not have an option to file homestead after receiving the letter. The tax office did give me a discount and that is the only thing that lowered my escrow analysis. They did not take any responsibility for not doing it on time.

Company response to consumer: Closed with explanation