vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-18 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: NC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: NY

Complaint narrative:
Recently review my credit I have an incorrect element this is damaging my ability to have credit please review this account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NY

Complaint narrative:
Recently review my credit I have an incorrect element this is damaging my ability to have credit please review this account 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 explanation
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX I have received a text from Chase saying that " We declined {$54.00} with card ending XXXX at XXXX XXXX asking if its me. I have replied " No '' Chase Fraud dept wrote " we will close your account and send you a new card '' On Monday which is the XXXX of XXXX I have noticed there are XXXX other transactions are fraud. So I called them Chase Fraud Dept saying that no worries we will remove these XXXX transactions. Chase asked me if my card still present and its with me. I have told them that YES, I still have the card and its not lost or anything. Then Chase said these XXXX transactions are done in person with the chip or tap. I told Chase that was not me, I did not buy or shop from these places. A day later I checked my online statement and these XXXX transactions were removed. 

XXXX transactions : First is on XX/XX/year> at XXXX XXXX XXXX {$910.00} Second is on XX/XX/year> at XXXX store # XXXX {$1400.00} On XX/XX/XXXX as I logged on my online statement. I see those XXXX transaction backed into my account. Right the way I called Chase. Chase saying since the purchases are done in person charges are reversed. I have told them I did not make these purchases, they want me to call merchants. I do not know how my credit card got cloned/duplicated, if it got cloned or duplicated still not my responsibility. Chase might need a better security to protect their customers. And I do not even know any information about this XXXX XXXX XXXX so as Chase ( When I ask about this merchant ) I have also told Chase ; How is my responsibility if merchants do not check buyer 's ID. If merchants check buyer 's ID this will not happened. Now Chase is re-openning this claim. 

I hope Chase will remove these XXXX transactions both of them added up to {$2300.00} that's alot of money which I am not the person who did it. Consumer finance if you guys can help me in any ways please do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I didn't notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 

I called in the early morning of XX/XX/year>, around XXXXXXXX XXXX to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : XXXX XXXX. 

On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 

On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 

After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. 

I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.

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 2024-07-18 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: PA

Complaint narrative:
My account with US DEPARTMENT OF EDU 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 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. 

US DEPARTMENT OF EDU 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 2024-07-18 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: PA

Complaint narrative:
My account with US DEPARTMENT OF EDU 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 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. 

US DEPARTMENT OF EDU 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 explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello on XX/XX/24 I posted on XXXX XXXX in search of event tickets. I reached out to someone selling tickets asking for confirmation of tickets and pricing. The woman, XXXX XXXX, provided screenshots of her XXXX XXXX tickets and the pricing. I said that I would send half the amount for 1 ticket to confirm receipt, before sending the balance for ticket # 2. She provided her email for the app XXXX XXXX but I only use XXXX. So she provided her husbands email XXXX for XXXX payment. I sent the amount of {$200.00} to XXXX XXXX via XXXX and the seller XXXX confirmed she received and that she would send the 1/2 tickets. I never received an email and when I tried to message back, the account was removed and I could no longer contact this person. I contacted my bank Chase and they said they couldnt help because I sent the money myself. Which I understand but this was a fake person impersonating someone on XXXX that doesnt exist, and I was scammed out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XX/XX/XXXX portfolio recovery and I agreed thru their financial department to pay {$130.00} per month to payoff an {$11000.00} XXXX debt,,,,,, on XX/XX/XXXX started the process of refinancing my home to payoff debt and found portfolio recovery on my credit report as delinquent every month. Since XX/XX/XXXX I have been paying the agreed amount thru direct payment withdrawal the current amount owed is {$6800.00}. Spoke with XXXX XXXX and XXXX XXXX of portfolio recovery in the finance department who advises there is nonthing they can do ... .. all occurred on XX/XX/XXXX at approximately XXXX XXXX... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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 am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-07-18 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint against Citizens Bank concerning their handling of the mortgage assumption process for the property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This issue has caused me significant distress and financial hardship, and I am seeking your assistance in resolving this matter. 

On XX/XX/XXXX, my mother passed away after a XXXX XXXX XXXX XXXXXXXX. During her XXXX and subsequent passing, I suffered from XXXX XXXXXXXX, which further complicated my ability to manage her affairs promptly. Despite these challenges, in the following year, I contacted Citizens Bank to initiate the process of assuming the mortgage for the property. 

Citizens Bank provided me with the necessary paperwork to assume the mortgage, which I diligently filled out and mailed back, along with all required documentation, including a copy of my mothers death certificate. Additionally, I visited the bank in person to ensure they received the death certificate and to confirm my intentions to assume the mortgage. 

Since XX/XX/XXXX, citizens Bank has failed to respond to my assumption paperwork. I have made numerous attempts to follow up, including sending multiple faxes of the documents, all of which I have confirmation receipts for. Most recently, on XX/XX/XXXX, Citizen Bank acknowledged receipt of my fax, yet I have still not received any further communication from them. 

The property is currently in disrepair, requiring significant maintenance such as a new roof. However, I am unable to obtain a HELOC to address these issues because Citizens Bank has not processed my mortgage assumption. Despite holding a claim deed and trust agreement indicating my sole ownership of the property, Citizens Banks inaction has left me unable to secure the necessary funds for repairs. 

In addition, Citizens Bank has clearly violated the Garn-St. Germain Depository Institutions Act of 1982 as well as other federal consumer protection laws. These laws require a bank to work with the surviving spouse of a family member who inherits a home with a mortgage, and in many cases, entitle to inheritor to assume the mortgage. Citizens Banks failure to adhere to these regulations has cause undue hardship and delayed the necessary transfer of mortgage responsibilities. 

This situation has caused me considerable stress and financial strain, and I believe Citizens Banks lack of response and failure to process my paperwork in a timely manner is both negligent and unjust. 

I kindly request the CFPB to investigate this matter and compel Citizens Bank to expedite the mortgage assumption process so I can obtain the necessary financial resources to maintain the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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 are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-07-18 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I purchased a telephone from XXXX XXXX XXXX. Unbeknownst to me, the phone number assigned to the phone had previously belonged to a XXXX XXXX. I have had the phone number since XX/XX/XXXX. Kohl 's Department store has contacted this number approximately XXXX times regarding an outstanding account. Each time I have responded to their calls by explaining I am NOT XXXX XXXX, and that I would very much appreciate their correcting their records so that this will not happen in the future. I was assured each and every time that KOHLS would escalate the situation and it would be corrected. Today I have again received a call from XXXX, XXXX XXXX XXXX. When I called the phone number provided on the message, it instructed me to call XXXX at XXXX, yet again, have to explain the situation. I was told I should answer the phone and verbally tell them not to call or do not contact me. 

Currently I do have an account with Kohls in good standing, and every time I receive these calls, I have threatened to cancel my card, Kohl 's has done nothing to rectify this situation. I called the Do Not Call Registry this morning and it listed a XX/XX/XXXX inclusion into the Do Not Call list. 

Please help me get this situation resolved once and for all. Thank you very much for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: NY

Complaint narrative:
My rights as a consumer was violated by all XXXX  credit bureaus. USC 1681 Under the section of permissible purpose, it states that you can not furnish a report without my written instructions. US code 1681 Section 602 also states I have a right to privacy. US code 6802 also states non public information should never be reported. I have went ahead and filed a lawsuit.

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 2024-07-18 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: NY

Complaint narrative:
My rights as a consumer was violated by all XXXX  credit bureaus. USC 1681 Under the section of permissible purpose, it states that you can not furnish a report without my written instructions. US code 1681 Section 602 also states I have a right to privacy. US code 6802 also states non public information should never be reported. I have went ahead and filed a lawsuit.

Company response to consumer: Closed with non-monetary relief