vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
I will like this account removed from my credit because I didn't give any written consent to a company or a credit bureaus, which refers to code ( 15 USC 1681B 35 ) this is a form of identity theft and I want this removed ASAP please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
My accounts at XXXX, XXXX XXXX, and XXXX XXXX were hacked into and fraudulent Zelle payments of {$25000.00} were made over the course of 2 days on XX/XX/23 and XX/XX/23. I can not believe the lack of security at all these financial institutions and particularly Zelle to allow unknown payees to be added and so much money to be stolen in a short period of time. There was no precedent for these types and velocity of transactions. XXXX XXXX the most effectively, while XXXX had me on hold for hours and hours just to be able to report the claims. As of now, I am still out {$20000.00} between XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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 file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance now has lied stating my claim this morning belongs to so eone else which is a lie they have committed fraud and admitted to the dogs they were at fault and I'm still looking for my truck being g fixed since I paid this bank for the XXXX. There lies canvobtinue but I don't appreciate the claims being gclpsed without being resolved.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Sent my letter off on XX/XX/2023. 
I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
List the accounts Accounts

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a credit card from Truist Bank and I was denied due to what I believe was clear discrimination against me the adverse action taken against me has cause me XXXX and XXXX XXXX I operated in good faith and was discriminated against as well as my federal protections under numerous federal laws were clealy violated

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 2023-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
A collection showed up on my account. It was {$110.00}. They said it was an old cable bill. Quite possible. I went through a divorce. Mind you I never received any notification that I owed this From Transworld systems. Nothing ever. It was a small amount I thought pay it and be done with it. Bad choice on my part. I asked if they would provide me a receipt. I asked at least twice. This was XX/XX/2023. She said yes XXXX hours. Couple days go by no receipt. Called on XXXX XXXX said it would be XXXX days. Called XXXX XXXX XXXX days. Same story asked for supervisor said theyve sent request XXXX days. To make a long story short called every day ( 5 days ) to get receipt. They always said it was a different department and it would be XXXX days every time. I pay a credit card bill get a receipt in XXXX seconds. They dont want to provide a receipt. My guess is if I cant prove I paid it they can try to collect later or sell the debt to another collection company. It is a systematic effort to not provide a receipt. Wasted so much time on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: PA

Complaint narrative:
Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.

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 2023-11-17 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: PA

Complaint narrative:
Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX Delaware and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
HELLO, I APPLIED FOR A SYNCHRONY JEWELRY ACCOUNT LAST WEEK FOR A LOCAL JEWELRY STORE I AM PLANNING TO MAKE A PURCHASE FROM. 

UPON APPLYING FOR THE CARD, I WAS TOLD I WAS DENIED EVEN THOUGH I UPLOADED A VIDEO/PICTURE OF MYSELF, AS WELL AS MY IDENTIFICATION. 

TODAY I GOT A LETTER ( ATTACHED ) STATING THE APPLICATION DUE TO LACK OF IDENTITY VERIFICATION. 

I CALLED XXXX TO SPEAK TO A REPRESENTATIVE WHO ADVISED ME THE DECISION CAN NOT BE REVERSED OR ESCALATED. 

I EXPLAINED THAT I PROVIDED ALL THE DETAILS NECESSARY TO VERIFY MY IDENTITY DUE TO MY FRAUD ALERT ON MY CREDIT REPORT. 

THE JEWELRY STORE PURCHASE SALE ENDS THIS MONTH, AND I WAS TOLD I CAN NOT APPLY AGAIN UNTIL 30 DAYS. 

I FIND THIS VERY UNREASONABLE AS I HAVE PROVIDED SUFFICIENT PROOF OF MY IDENTITY. 

THE APPLICATION DENIAL LETTER IS ATTACHED, AND HAS THE INFORMATION NECESSARY TO PULL THE APPLICATION. I HAVE ALSO ATTACHED A FRONT AND BACK PICTURE OF MY IDENTITY.

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
While checking my credit report there was a card from Barclay Bank listed as opened XXXX. I did not apply for this card and all three credit bureaus have a freeze on my name, Spent 1.5 hours giving three people at Barclay my personal information. Name/address/phone/social security. These representatives refused to provide their full names. I asked for written confirmation that a fraud complaint was filed. REFUSED said I would hear something in XXXX days or more., Next day filed a XXXX complaint and received a call from someone supposedly represent the Presidents Office Barclay Banks XXXX 
No way to confirm identity. Wanted the same information that was already given to their fraud unit. Agreed to name only. Was told he could do nothing without all the personal information already provided. His computer could not just enter name.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank calls my phone number every day and leaves a XXXX recorded message telling me to call them. They don't say why. I don't do business with them. I have never received anything with a similar message in the mail from them. They're harassing me. I'm on the " Do Not Call '' list, too. 

They won't stop. 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As a long time PNC customer of 2 decades or more including XXXXXXXX XXXX I am filing this due to the lack of resolution of a floating $ XXXX that has impacted my credit score and financial reputation/ status with creditors as well as lack of service recovery.

As a registered nurse in administration I am very aware of how important customer service and empathy are to clients and I have not experienced that with my assigned PNC case manager the past two months. This unresolved issue has been ongoing since XX/XX/XXXX so I will try my best to abbreviate the timeline. 
Let me preface this by saying, most every PNC frontline representative I have interacted with has been extremely polite, providing personal attention and demonstrated empathy and care. But XXXX XXXX my assigned case manager ( XXXX ) has not. If he is good at the technical and operational aspects of his job, great ; but he should not be front facing with customers. He has been terse, displaying little to no empathy, inattentive and documented in my case records/notes that he called me and left a message when he did not. Abbreviated timeline as follows : XX/XX/XXXX - $ XXXX balance transfer check deposited into PNC ATM at my place of business ( XXXX XXXX ) XX/XX/XXXX check cleared and deposited into my PNC checking XX/XX/XXXX $ XXXX payment to XXXX XXXX from my PNC checking XXXX $ XXXX Check returned to maker ( XXXX XXXX XXXX  ) RESULTING IN MY ACCOUNT OVER $ XXXX IN THE NEGATIVE XX/XX/XXXX Three PNC overdraft fees of $ XXXX generated XXXX Pulled $ XXXX from my personal NON-PNC savings accounts and deposited into PNC checking to cover the negative balance and cover automated withdrawals i.e. bills and mortgage XX/XX/XXXX XXXX provided me a Banks Claim of Later Return document verifying that PNC ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ) requested the funds back on XXXX after they were returned to XXXX XXXX XX/XX/XXXX Spoke with XXXX @ PNC who informed me the $ XXXX was sent back to XXXX on the XXXX and it should take 3-4 days. 
XXXX XXXX never received ; balance remains on my XXXX credit card. 
XX/XX/XXXX After complaining about not hearing back from XXXX XXXX PNC XXXX he returns my call and tells me the $ XXXX was NOT sent to XXXX on XX/XX/XXXX as I was originally informed and now I needed a letter of indemnification. 

As mentioned, I am a long-time customer who uses PNC as my primary banking institution and my home mortgage is with PNC. Now I am at a complete loss and convinced I need to refinance my mortgage and move my banking business elsewhere. In addition to the $ XXXX, there is the {$1000.00} balance transfer fee, {$69.00} late fees, {$32.00} interest charges, totaling {$22000.00} owed to XXXX and reflected as a balance owed by me. Additionally, the {$100.00} PNC overdraft fees. Lastly, my credit score is now XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: TX

Complaint narrative:
I signed a 24 month no interest loan agreement with XXXX XXXX XXXX Universal Account Servicing. I've made payments consistently for 14 months. I missed the month of XXXX and became 22 days late. I submitted payment to bring my account current. Upon account review, I see the full interest for the the past life of the loan has been applied to my account balance. My account is now subject to future interest as well. I called customer service who stated " we offer a 7 day grace period for late payments and your account is subject to accrued interest if you miss a payment '' I reviewed my loan contract and none of this verbiage is in the agreement. I was transferred to a supervisor who stated the contract agreement statement of " Minimum monthly payment required '' translates to " You will have to pay all past interest and future interest if you miss a payment '' The only reference to a late payment is a late fee " If any payment is more than 10 days late you may be charged 5 % of that installment or {$5.00} whichever is less '' - The tactics employed at this organization are deceptive and harmful to consumers who believe a No Interest offer will hold up. I look forward to them correcting the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Have put in dispute with all XXXX of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the XXXX credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Have put in dispute with all 3 of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the 3 credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I hope this email finds you well. I am writing to you today with a heavy heart and a sense of desperation regarding an incident that has profoundly affected my life. 

I am an XXXX XXXX from XXXX who came to the United States in XX/XX/XXXX, determined to pursue my education and build a better future. Since XX/XX/XXXX, I have been juggling the responsibilities of being a XXXX  and a XXXX XXXX, striving to make ends meet and contribute positively to my community. 

On XX/XX/XXXX, I became a victim of wire transfer fraud, losing {$20000.00} from my Chase Bank account. Considering my background, this is an astronomical sum for me, as my family of XXXXXXXX XXXX on an annual income of just {$5000.00}. The stolen money represents a generational wealth for us, and its loss has devastated me. 

Despite my immediate efforts to report the fraud on XX/XX/XXXX and seek resolution, Chase Bank denied my claim. They suggested that I either approve the transaction or benefit from it, which is untrue. The impact of this incident on my life can not be overstated, and I feel an immense injustice has been done. 

With its {$13.00} XXXX in net profits last quarter, Chase Bank may consider {$20000.00} inconsequential, but for me, it is a life-altering amount. 

Could you please help me with this situation?

Company response to consumer: Closed with explanation