vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: TX

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 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was approached by a person named XXXX XXXX on XXXX XXXX. She said she was from a recruiting company called XXXX XXXX XXXX. She said I will be contacted by someone on XXXX for a part-time work. 

I was then approached by a woman called XXXX for some part-time work for which they would pay me in XXXX XXXX. 
The work consisted of logging into a web application [ XXXX XXXX XXXX ] and depositing some initial amount {$110.00} minimum. 
The app would then display images of some mobile apps. I need to click on these images. One image click was called a task. 
The initial deposit was the cost of these tasks. 
For each click I would be paid a commission of 0.5 %. 
There were XXXX such tasks to complete in a day. 
Higher the initial deposit greater the cost of a task and greater the commission. 
Now and then there would be a combo task whose cost was greater than initial deposit and would cause my deposit amount to become negative. 
To continue further I needed to deposit an amount equal to the negative amount. 

For the first 4 days, they kept paying me as if everything was real. 
On the XXXX day, I committed a higher amount as initial deposit. That's the day when they kept making my balance negative. 
And towards the end, my negative balance stood at XXXX XXXX. The scammer said that I can't withdraw my initial deposit unless the negative balance was cleared. 
That's when I started searching online if I would ever get my money back. I read an article on Redditt about a similar scam and that's when I realized I had been scammed. 

I reported this scam to XXXX FBI. 

I complained to JP Morgan Chase bank regarding this scam, the details of which are attached in a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
I would called after several times to make payments and no answear to miss make move tours them and pay his amount when I was willing.now date I styl have problems to ask and saying Im willing to pay back.and have no one to say something to.pandemics lost to recover and no answear styl.now its under pay by other collectives and they did not answear me and wrong mis connections from them.I see do believe they were in there point end of days of XXXX meets and I dont agree they did not answear me. I styl want to right now and now problem is now now tha amount is over al I deed not waits al that money and looks I dont pay yes yes I payed most of it and now XXXX by seeing who did this amount thanks its al, Im working right now and I wil pay back and this aint my amount its to much and it dos not look like to say I have al this items to tied to this money I wil have this answear and help to give to them they are patients but I dont understand thanks for your look out and have to say something about problems right me.thanks I wil wait for and answear of help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Around XXXX my mother made me purchase my sister a bed through XXXX at the time I was not working so I was told it could put it on a different payment plan for someone who wasnt working at the time! They basically told me I didnt qualify for that which I should have being my age and I wasnt working!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
-Blatant and obvious effort by Fifth Third Bank to delay processing of the PMI-removal request ( ongoing 3 months ). 
-Absolutely XXXX transparency on timeline or next steps to expect ( XXXX funded the XXXX requirement ). 
-Inconsistent and inaccurate explanation of request processes from employee to employee. Example : " does XXXX include current market value of the home? '' Received XXXX different answers. 
-Common response when requesting a status update was " Only our legal team can answer this. '' XXXX service provider " XXXX XXXX '' is a sole broker ( XXXX XXXX XXXX who has sold XXXX homes in his career. Fifth Third designated this broker as their preferred service ( requirement for XXXX  removal ) This is unethical, irresponsible and borderline fraudulent. REMINDER : XXXX paid {$150.00} for this service. 
XXXX required forms and applications were sent by traditional mail. Then required to be handwritten and mailed back to Fifth Third. 
-The disregard and clear attempt to make this process unbearable for consumers is disgusting. 
-Actively throwing obstacles toward new homeowners and preying on them as they learn to manage their finances is pure evil and it needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Commencing on or about XX/XX/2023 I fell victim to XXXX multi-layered scam operations orchestrated by a person using the alias XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NM

Complaint narrative:
Velocity Investments LLC out of New Jersey represented by XXXX XXXX  XXXX XXXX is suing me for a debt I do not owe them. They tried suing me in metropolitan court in XX/XX/year> case was dismissed and now suing me in XXXX XXXX court. Debt collector would call excessively and threaten action against me in years XXXX. Told them I have no knowledge of debt and what they want. Judge dismissed case in 2023 and now debt collector trying to sue me again, sending me excessive documentation requesting me to admit to statements. I am with limited sources and having to tackle this by myself, trying to get sanctions against me. This debt collector has multiple FDCPA violations reported against them online and its practices are misleading, abusive, and unfair to consumers. Help me please. My credit report shows {$0.00} balance for said debt from original carrier.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to speak with someone regarding my my social security number is is incorrect under personal information. In the dispute section under personal information it has last four digits as XXXX. 
My last four digits are XXXX. 
The first five numbers are XXXX out so I dont know if this isocual security number belongs to me. 
This leads me to wonder if the report is correct.

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 2024-03-19 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: MO

Complaint narrative:
I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.

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 2024-03-19 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: MD

Complaint narrative:
I am writing you to file a complaint against PNC. I was given your info by the Federal Reserve Consumer Help. On XX/XX/XXXX I drafted a personal check and deposited into my wifes SECU account. PNC released the funds to my wifes SECU account, and she was able to use the funds from her account. On XX/XX/XXXX PNC went into her SECU account and deducted all the funds that I deposited in the amount of {$5000.00}. My wife notified me about this, and I immediately went to PNC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to discuss this. The female representative at the front desk with PNC reported that the check looked suspicious, because it wasnt the typical amount I would write a check up for. She also reported that they wouldnt pay for the overdraft fee that my wife accrued in the amount of {$25.00}. Shockingly, I had to get a cashiers check and pay {$5.00} for a biased decision that PNC made without even calling me or writing me to verify if this deposit was accurate. I am filing a complaint against PNC. I would like my wife to receive her overdraft fee back and {$5.00} to be returned to me for the cashiers check I was forced to get from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 
XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 
XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY CREDIT PROFILE WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-03-19 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: OH

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all XXXX bureaus. 
XXXXXXXX XXXX  : XXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXXXXXX : XXXX ; Charge off : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all XXXX bureaus. 
XXXX XXXX  : XXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXXXXXX : XXXX ; Charge off : 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 explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) is not my debt and needs to be removed immediately. I did not incur this debt and its on my experience report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I was reviewing my credit report and came across some fraudulent activity. 

Accounts : XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$1700.00}

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 2024-03-19 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: FL

Complaint narrative:
accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief