vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase checking account ending in XXXX. I noticed a couple of fraudulent transactions that occurred in my account. I immediately told Chase and filed a claim to get this resolved. The XXXX unauthorized transactions that occurred were through XXXX. On XX/XX/year>, there was a charge for {$180.00} to an unknown person and the second charge, occurred on XX/XX/year> for {$250.00} to an unknown person. Chase denied my clam without an explanation holding me liable for unauthorized charges. There is not a valid reason to hold me liable for these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
In XXXX, I called PNC to report a compromised credit card. The card was closed, but the access to all credit card statements was precipitously removed from my online banking. I had a cash reward due to me but was unable to redeem it. After multiple calls, I did not receive any new card or information about the account until XXXX, when I was notified of a balance due and a late fee. On XX/XX/XXXX, I paid a balance of {$47.00}, and the late fee was waved, due to all the problems with receiving the card and the lack of access to any statements. I was told access to my online statements would be restored. However, it never was restored, so I never used the new card after I finally received and activated it. 

Today ( XX/XX/XXXX ) I received an email stating I owe a {$25.00} late fee. After several more calls, I was told that no one could se the old credit card statements, and that I already had online access and nothing could be done because " we can't waive XXXX late fees '' from XXXX. I was told to use a username from XXXX years ago and create a new password because PNC is no longer linking the credit card to my business account, even though my personal and business accounts have been linked since inception. I did as instructed and was STILL UNABLE to access the credit card statement. I refuse to pay a second late fee when I have never been able to access the account information, have not been able to redeem credit due me, have not used the new card, and no one has restored online access, NOR snail-mailed me ANYTHING about this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 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: AL

Complaint narrative:
On XX/XX/year>, I requested the deletion of the charge-off account from my credit report. However, on XX/XX/year>, the company 's reply stating that they are unable to locate a credit file for me raises concerns that need to be addressed. This is in violation because company 's are required under the Fair Credit Reporting Act ( FCRA ) to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because the credit file can not be located the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: AL

Complaint narrative:
On XX/XX/year>, I requested the deletion of the charge-off account from my credit report. However, on XX/XX/year>, the company 's reply stating that they are unable to locate a credit file for me raises concerns that need to be addressed. This is in violation because company 's are required under the Fair Credit Reporting Act ( FCRA ) to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because the credit file can not be located the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: AL

Complaint narrative:
I am writing to request your assistance as a victim of a severe form of trafficking in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX trafficking under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

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 2024-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: TX

Complaint narrative:
The home is located in XXXX XXXX XXXX XXXXXXXX had a renter in the home till XXXX. I returned to the home to rennovate and update the home due to substanial repairs. I have been residing at the residents XXXX weeks a month since XXXX. till now. I am completing renovations and repairs. I intend to rent the home in the future ( XXXX years from now ). 

The large issue is that the lender has hired a third party that has illegally entered the premises on XXXX separate occassions and changed the locks. I have witnesses and pictures of the event. The third party has posted notices to secure the home because they claim it is vacant. It is not vacant. I believe this constitutes fraud and creditor harassment. 

The lender has been made away and payments have been made on the loan. I have hired a local property manager to check on the property to review their processes and behaviors. I have consulted a local attorney. I am happy to assist with any requests from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a XXXX XXXX  and Bank of America checking and Business account. I have went in person and on line to report stolen Identity and fraud on my account and bank manager at XXXX XXXX did not start the report. I did report to FDIC. Bank of America rep keeps hanging up. So I can not make the reports. I explain my mail was being taken as well as a black mail letter I received.

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 2024-12-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXXXXXX XXXX XX/XX/XXXX, and a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 4 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Please delete the follow inaccurate names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete the following invalid telephone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 

EQUIFAX, XXXX, and XXXX have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injuries. Furthermore, I am filing this consumer complaint and consumer check for compliance with these items that you are reporting under FACTA Title 1 sec. 151.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : I am writing to dispute and update incorrect personal information on file with your company. 
Please update my records with the following : - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Correct Name : XXXX XXXX XXXX - Correct Social Security Number : Last XXXX ( XXXX ) - Correct Date of Birth : XX/XX/XXXX - Correct Employer : N/A I request the removal of any inaccurate or outdated information, including incorrect addresses or contact details, as they are not deliverable by the XXXX XXXX XXXX and are not reportable per the FCRA. 

Enclosed are copies of supporting documents to verify my identity and provide proof of residence : - Driver 's License - Proof of Residence  Please correct these errors and provide an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : - Driver 's License - Proof of Residence

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared.

The institution provides an explanation of how the consumer can exercise this opt-out right.

In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared.

The institution provides an explanation of how the consumer can exercise this opt-out right.

In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: WI

Complaint narrative:
To Whom It May Concern : I am writing this letter to request removal of closed / charge off accounts and unauthorized credit inquires on my Transunion credit report. My latest credit report shows several credit inquires that I did not authorize 15 USC 1681B Permissible Purpose Of Consumer Reports. I have made a complaint to the CFPB about this matter as well as procedure to resolve. 

I am writing to dispute the following miscellaneous inquires / closed accounts and requesting their immediate removal from my Transunion XXXX XXXX XXXX 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 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
The amount is XXXX of a collection that I do not have knowledge of or signed any contract with them or nothing. They have called me and send me letters that I owe that when I do not have any recognition of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act.

The list of accounts below has violated my federally protected consumer rights to my privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

XXXX XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the rights to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of conversations of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) States : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

XXXX XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Has violated my rights. 

XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the rights to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of conversations of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) States : 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