vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I received a text alert that there was possible fraudulent activity at a XXXX on our joint business checking account. We have received these before, so I responded no I have not tried to make that charge. Within a few minutes I received a phone call from a gentleman saying that he was with Chases fraud department and someone was trying to wire transfer money out of our account as we had been hacked. I was on the phone with this gentleman for two hours and was told a police report had already been filed due to the amount of the transaction. I googled the phone number that I was called from and it did show up as Chase. I was instructed on how to cancel the wire transfer and I actually received two separate Chase email responses that the wire transfers were canceled. I was still on hold with this gentleman when spouse said that he was going into a branch. He had that account restricted from doing any other activity opened up a brand new account and apparently this was all supposed to be handled. That evening the wire transfer of {$14000.00} was sent to the person that had hacked our account and more money was taken out of the brand new account that was supposed to be restricted. Now over 30 days later, we are told by Chase that because I was scammed they are not financially responsible for the wire transfer. I dont understand how a bank after being told multiple times that this was not a charge that we were doing will not provide our money back. Neither of us know who this person is in Florida and we would never have sent someone that kind of money we have never wire transferred money out of this business account ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
The company Goodleap llc, financed my HVAC.I have been paying off my loan as at when due. I also was making extra payments so as to pay off my loan in time.I made XXXX extra payments of $ XXXX. The agreed payment was {$130.00} monthly, which is taken off from my checking account. 
I found out that my payments was not being reported to the credit bureau. On inquiry, I found that a payment of {$2000.00}, I made was not credited to me. The payment was made through my bank bill pay, like the XXXX others. I contacted them and they said they did not receive it. 
I checked with my bank and got a copy of the cleared check of {$2000.00}, with stamp and numbers of GoodLeap on the back. I forwarded it several times asking to be credited but they were adamant. They refused. 
I stopped their automatic withdrawal from my account, so that they would address my problem, but they resorted to harrasive phone calls, trying to make me pay, the stopped payment. 
I want them to give me credit or refund my money. It's been more than XXXX months and they don't care. 
I also told them that, I would Payoff the loan if they give me my credit, as my relationship or business with them is impairing my health. THEY DON'T CARE. They had been subjecting me as a XXXX or that they don't understand my language or what I am talking about. 
The only suggestion they offered was that I should stop the check. STOP A CASHED, CONSUMED CHECK?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE, USES WORDS PURPOSELY TO CONFUSE THE PUBLIC INTO THINKING THAT THE PERSON OR VICTIM, MUST PAY THEIR BILLS IN FULL ... .. XXXX... XXXX  IN A ROW, TO AVOID AN INTEREST CHARGE. 

IN WRITING ON THEIR BILL AND BY SCRIPT TO THEIR HIRED GUNS ON THE PHONE. 

I'M NOT ONLY AN INTELLIGENT RETIRED MEDICAL DOCTOR, BUT A MATHEMATICIAN THAT CORRECTED MISTAKES IN MY PROFESSORS ADVANCED CALCULUS TEXTBOOKS ( XXXX XXXX @ XXXX University ). 

True interest calculated for the XXXX month isnt done until the XXXX months bill ), but its calculated only if there is a balanced not paid by the due date, only on the balance of the bill thats due ( not charges not yet settled or billled by date the bill is produced. For example on bill of XXXX month is paid in full by XX/XX/XXXX, on a bill that due on XX/XX/XXXX : ( XXXX ) they mislead you some portion of charges is involved from month XXXX and ( XXXX ) the calculation not yet done until month XXXX bill produced, is XXXX and is XXXX whenever they calculate the interest charge X XXXX XXXX  for the last 3 days of XXXX nd months bill. THEY CAN NOT CHARGE DAILY INTEREST, when they state if you pay off your bill by the due date ( any due date ) no interest is due, and if calculated X by XXXX $ IS XXXX. 

Also on my bill they wanted me to pay {$100.00} on XX/XX/year>, and was credited XX/XX/year>, on the next months statement, even though the balance due date is XX/XX/year>. 

AND I HAD TO PAY {$600.00} twice in early XXXX ( XXXX and XXXX before due date XXXX ) because of some error at my bank, AND CAPITAL ONE,,,,,, RATHER THAN DELETE THE EXTRA CREDIT, THEY re - ADD {$600.00} on XX/XX/XXXX,,, I'm sure to effect and erroneous interest calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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:
Begininning in XX/XX/year>, XXXX XXXXXXXX XXXX XXXX began reporting me as 30 days late, ( 60 days late in XXXX, 90 days late in XXXX, And Charged off every month since ) I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my XXXX attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, Experian, XXXX, XXXX ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am referring to is : ( ACCOUNT NUMBER XXXX - XXXX XXXX  ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.

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 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I filed a complaint against Wells Fargo as to why they were holding my wire in the amount of {>= $1,000,000}. I filed this complaint with you. 
Complaint Number : XXXX. 
Wells Fargo replied through a woman named XXXX, that said because I was not a Wells Fargo client, I had to go back to the originating bank. 
I called the originating bank on Thursday, XX/XX/year>, after a useless placating phone conversation with this woman XXXX. The originating Bank, ( wire is attached ) emphatically stated that they were not in receipt of the funds, that in-fact the wire left there on XX/XX/year> and was never returned to them. 
On XX/XX/year>, I received a letter from XXXX at Wells Fargo Bank ( attached ) stating the same as the conversation that I already had. 
Well in fact, I am not a client of Wells Fargo but XXXX XXXX XXXX XXXX is and the wire was sent through to Wells Fargo as directed by XXXX XXXXXXXX XXXX Contract with Wells Fargo! 
( See attached document ). Now because Wells Fargo replied to you, CFPB closed the case. This is ridiculous as there has been no resolution. I want CFPB to do more than just pass my compliant to Wells Fargo without a release of my funds.

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 2024-10-07 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$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 2024-10-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are
required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

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 2024-10-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you 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 2024-10-07 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: IL

Complaint narrative:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital XXXX XX/XX/XXXX in the amounts of {$450.00}, XXXX XXXX XX/XX/XXXX in the amount {$280.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$690.00}, XXXX XX/XX/XXXX in the amount of {$27.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$1100.00}, XXXX XXXX XX/XX/XXXX in the amount of {$200.00}, Self financialLead XXXX  XX/XX/XXXX in the amount of {$260.00}, XXXX Bank XXXX XX/XX/XXXX in the amount of {$47.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX in XXXX amount of {$0.00}, Mobile account ; XXXX XXXX XX/XX/XXXX in the amount of {$1000.00}. 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, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit card 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 2024-10-07 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: PA

Complaint narrative:
Experian has a wrong balance as stated Experian has wrong information on my credit file Experian has yet to mail out a credit report after disputing experian

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