vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received four money orders from XXXX XXXX, that he purchased at XXXX, XXXX in the amount of {$1000.00} and XXXX in the amount of {$750.00}. I went in the JPMorgan Chase at XXXX XXXX XXXX XXXX, XXXX, NJ to deposit the money orders. When I was leaving out of the bank I went to the ATM, and I see the monies were on the account as available. I used the bank card to put a hold on a truck for purchase. When I went to use my card again, I couldn't withdraw any monies. I called the bank, and I was switched to the Fraud department because it was a restriction put on my account. I was told that they were going to hold it until the XXXX of XXXX. I waited until the XXXX and the monies were released, but I still had a restriction. I called to see why, I was told to hold on and then the guy told me after the hold that he was told by the financial institution that was supposed to pay that they were not going to honor the money orders, and I would have to get in contact with the guy who I got the money orders from to get the money back. XXXX went back to XXXX with me on the phone. XXXX said because he made them out to me that they could not give him the money back although they gave him a number to call for XXXX XXXX. XXXX which he called and he was told to request a because the money orders refund and upload documents needed. He did and was informed that the four money orders were cashed. I called the bank again, because the money orders were indeed cashed on the XXXX of XXXX. I was told that they are doing an in bank investigation. Which I was also told that they closed my account because they wanted to and they don't have to give me a reason although my monthly direct deposit comes in every month. And I was told when I called back again that a check was mailed to me for {$250.00} and then I was told that it didn't mail yet. Then that a check was mailed out to me XX/XX/XXXX for the amount XXXX XXXX XXXX XXXX and something dollars. I don't understand why than they say they got 60 -90 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Attached please find a letter from XXXX showing the successful transaction of ethereum funds sent over the ethereum network from my XXXX  account to an ethereum wallet address also of my own on PayPal. The transaction was sent and has been confirmed on etherscan yet PayPal claims to have nonrecord of the transaction this can be due to the crypto being sent as cbeth. Regardless of the cbeth the ethereum was sent on the ethereum blockchain by me from XXXX to a PayPal ethereum address that is also mine. PayPal claims to have no record of the transaction and the crypto has not posted or credited to the recipient account. 
Please use the Information provided by XXXX to locate this transaction receipt so that these funds cab either be credited by PayPal to my account or returned to the origin sender account with XXXX. 

Hi XXXX, After reviewing your account, I can see the funds have been successfully sent out of your XXXX account. You can verify this on the block explorer, which is a record of all crypto transactions : XXXX XXXX XXXX? XXXX XXXX If youre having trouble locating the funds, here are some details to check on the block explorer : - Ensure you sent funds to the correct address- Ensure you sent funds on the correct network- Ensure you, or the person you sent to, are able to access the wallet where the funds were sent If you sent funds to the wrong address, you'll need to contact the recipient and ask them to return the funds. If you don't know who owns the address, unfortunately there's no way to try to recover the funds due to the irreversible nature of cryptocurrency transactions. 

If you're having trouble locating funds sent to a site outside of XXXX, I recommend reaching out to the support team of that site so they can help you to gain access to the account and locate the funds. 

For future reference, the " How to send and receive cryptocurrency '' Help Center article has information on sending and receiving crypto : XXXX XXXX XXXXcryptocurrency Thank you, XXXX XXXX thread : XXXX : :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OK

Complaint narrative:
I recently discovered a {$6500.00} charge on my credit from 2022. I was unaware of this until I reviewed my credit report. 

Upon contacting the collections agent, I requested an itemized receipt. The receipt indicated that no money was received or anyone ever moved into the unit. Notably, there was no lease initiation fee, security deposit, or first month rent. This discrepancy is concerning, as I was not entitled to the premises until the security deposit and first months rent had been received, as per my lease agreement section 2.4. 

The other issues is I was wrongfully consigned. I never gave anyone my permission or co signed on this lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 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:
I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for these accounts to report on my credit report. I am also a victim of the XXXX data breach

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 2024-12-23 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: FL

Complaint narrative:
I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for these accounts to report on my credit report. I am also a victim of the XXXX data breach

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 2024-12-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-12-23 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: MO

Complaint narrative:
After examining my credit report, I came across a few billing errors. The listed late payments dont match my usual payment patterns. Kindly rectify these mistakes and make the necessary updates to my account.

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 2024-12-23 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/year>

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 2024-12-23 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>

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 2024-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
For a {$900.00} bonus I fulfilled all the requirements by Chase denied me the bonus. They closed my savings account without warning. 
Checking : Account number XXXX Routing number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MA

Complaint narrative:
Seeing accounts on my credit report that I never opened has been both shocking and frustrating.

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 2024-12-23 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: FL

Complaint narrative:
I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for these accounts to report on my credit report. I am also a victim of the Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
There is an item on my credit report that resulted from fraud and from which I never benefited. I reported this issue to the Federal Trade Commission, yet the fraudulent item remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing a {$100.00} debt from XXXX XXXX that was passed to IC Systems for collection. This debt is not mine, and there is no way I could be responsible for it. I received no prior contact or notice about this matter until I saw it on my credit report on XX/XX/XXXX. 

I request that this debt be removed from my credit report immediately, as it is not valid.

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 2024-12-23 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief
Consumer complaint received 2024-12-23 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: IN

Complaint narrative:
After examining my credit report, I came across a few billing errors. The listed late payments dont match my usual payment patterns. Kindly rectify these mistakes and make the necessary updates to my account.

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 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have an Account that I want immediately removed since the account was paid under the option XXXX 10 % off of the original amount The Account is From Midland Credit Management MCM Account Number = XXXX Amount {$700.00} XXXX paid the account XX/XX/year> in the amount of {$630.00} as part of the payment agreement agreed upon by myself and midland credit and request that this account be removed from my credit report ASAP as it is now reporting falsely on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a personal loan account opened at XXXX XXXX On XX/XX/XXXX under the account number XXXX, a wireless account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a utility account XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My bank is WellsFargo.

The total money scammed from my bank account is at least {$50000.00} 0r more. My bank tried to help, they couldnt help reverse my money. It was reported to Wellsfargo of the scam, since I authorized it they couldnt help at all, even though it was a scammed, they said they couldnt help me.

The dates I was scammed are the following : 1. {$1000.00}, XX/XX/year> Reference # XXXX. ( Transfer ) Money Transfer or purchase bitcoin online XXXX. {$2000.00}, XX/XX/year> XXXX {$2000.00} XX/XX/year> XXXX. {$9900.00}. XX/XX/year> XXXX. {$5000.00} XX/XX/year> XXXX {$5000.00} XX/XX/year> XXXX. {$3000.00} XX/XX/year> XXXX. {$98000.00} XX/XX/year> XXXX. {$3500.00} XX/XX/year> XXXX has transactions has one reference number : XXXX I hope to get help from you. 


Thank you 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 2024-12-23 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: LA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IN

Complaint narrative:
I found several inaccuracies on my credit report, particularly regarding billing. These reported late payments are not in line with my payment history. Please correct these errors and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-12-23 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-12-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: NV

Complaint narrative:
I am shaking as I type this as I am furious and beyond stressed. In summer of XXXX I enlisted the services of ClearOne Advantage to assist me in debt settlement for multiple accounts as I realized I could only afford the bare minimum payments and would never catch up.

I completed the program by the summer of XXXX. All but one of the creditors as been settled without incident, and I received appropriate tax forms for each of the settled debts except for one. The original creditor was XXXX XXXX XXXX XXXX. They had utilized the collection services of XXXX XXXX whom I formerly filed a complaint against. XXXX is claiming after they spoke to XXXX XXXX  that they claim they only received XXXX payments totaling {$60.00} each or {$180.00} total and nothing further. I have reached out to ClearOne Advantage demanding they explain themselves and provide proof of payments made. I am considering obtaining legal council over this, as I diligently paid what I was required to ClearOne Advantage with the understanding that it was being applied to my debts as agreed. All these companies MUST agree to the settlement terms, which they did but if ClearOne Advantage failed to pay them, that is fraud. Where did all my money go if it wasnt to the company I was in settlement with? I sincerely appreciate any assistance your agency can provide in ensuring compliance from ClearOne Advantage as they have a long history of making poor excuses to me or dodging my attempts at contacting them.

Company response to consumer: Closed with explanation