vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, my checking account was charged with XXXX unauthorized transactions at " XXXXXXXX XXXX, '' each for {$0.00}, totaling {$190.00}. In XX/XX/XXXX, I contacted Chase to report and claim these unrecognized transactions. However, I only recovered 50 transactions, totaling {$49.00}. The remaining 149 transactions, amounting to {$140.00}, were not refunded to me. 

As an elderly customer, I do not frequently check my bank account on my phone. On XX/XX/XXXX, I logged into my Chase app and discovered that I had not received the full amount back. I contacted Chase again to claim the remaining transactions, along with some recent unauthorized charges. These include a charge at " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( approximately {$27.00} at the exchange rate of XXXX ), and another charge on XX/XX/XXXX, at " XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX ( approximately {$13.00} at XXXX XXXX rate of XXXX ). I have never visited these locations or authorized such transactions, making them clear cases of fraud. 

Since I opened this card in XX/XX/XXXX, I have been charged with a total of XXXX unauthorized transactions, including XXXX from XXXX XXXX, XXXX from XXXX, and one from XXXX Promote. This raises serious concerns about the security of my Chase account. I have never used this debit card for any transactions since opening the account, and the card has never left my home. A review of my statements will confirm that this card has never been used for purchases, further highlighting the alarming nature of these unauthorized charges. 

In XX/XX/XXXX, I promptly reported the XXXX XXXX XXXX transactions to Chase. I firmly believe I reported all transactions in a timely manner. Chase 's recent claim that I failed to report them within the required timeframe is incorrect. Despite my careful precautions, my account has been repeatedly compromised. 

Today ( XX/XX/XXXX ), I followed up with Chase to check the status of my claims. Unfortunately, the supervisor I spoke to, named XXXX, was rude and unhelpful. I request a thorough investigation into the security of my account, recovery of the remaining {$140.00} from the XXXX XXXX charges, and reimbursement for the recent fraudulent charges. Additionally, I seek assurance that my account will be secure moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-01-06 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-03 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:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding my challenges with managing over {$100000.00} in student loan debt. Since XXXX  recently, I have been unable to secure stable employment and am experiencing significant financial hardship. Despite reaching out to my loan servicer to request assistance through forbearance or income-driven repayment options, I have encountered obstacles that are causing me distress. The lack of clear guidance and responsive customer service has made it difficult to navigate my options effectively, leaving me at risk of financial instability. 

My primary concerns include the servicers failure to provide timely and accurate information about available relief programs, including forbearance and income-driven repayment plans. Additionally, I have been subjected to confusing communication regarding interest accrual during forbearance periods and unclear timelines for application processing. These issues have compounded my financial strain and delayed my ability to stabilize my situation. I believe these practices undermine borrowers rights and create undue hardship, especially for recent graduates like myself who are in a vulnerable financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability
against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called equifax on several occasions. I was told there is an internal error on their end, but they will not remove the error and creditors can not access my credit report, so I have been denied credit on a few occasions because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
After being on the phone for over an hour to make complaints in regards to US BANK NATIONAL ASSOCIATION [ XXXX XXXX and XXXX XXXX lack of due diligence and oversight in regards to account and Discriminating against the equal credit opportunity act kindly requested for US BANK to refund the overdraft fees that the account has suffered for far too long and was denied by XXXX whom failed to provide any other information to the supervisor who made this decision on XX/XX/2025 at 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 2025-01-03 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: PA

Complaint narrative:
I did not expect my former employer to continually harass me by monitoring my credit and banking information, even after the termination of employment with this company. 
I have bills and other financial obligations that need to be paid. This negativity has to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Account Number : XXXX I am writing to formally dispute the debt reported by Online Information Services, which appears on my credit report dated XX/XX/year>. I have no knowledge of this debt and have never conducted business with this company. 

Details of the dispute : Debt reported by : Online Information Services Date the debt appeared : XX/XX/year> Amount : {$140.00} Account number : XXXX ( XXXX ) I have never received any communication from Online Information Services via mail, email, or phone. Upon noticing the debt on my credit report, I attempted to contact the company using the phone number listed on the report ( XXXX ) XXXX on XX/XX/year>. Unfortunately, the number gave a busy signal and appeared to be non-operational. I made an additional attempt to reach the company on XX/XX/year> at XXXXXXXX XXXX, only to receive the same busy signal. 

Given that I have never engaged with this company, nor have I been able to make contact to resolve this matter, I believe this debt is either incorrect or fraudulent. I request that you investigate this issue and remove the debt from my credit report if it can not be properly verified. 

Please let me know the results of your investigation as soon as possible. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am one of the students that was apart of the XXXX v XXXX case, in which my student loans were canceled. I applied for student loan forgiveness and cancelation through the XXXX 's default program. While, the administrators from the Department of Education reviewed my account, the loan went into default. As the loan went into default, I complained for 10 years to the department of Education about the Default Resolution Group, not crediting the account to the correct information on the loan, such as payments made, or even if the loan was even in default. 

I received a few correspondence over the years about how I was defrauded with my loan, and recently I was sent a notice saying that I overpaid the balance of my student loans. 

The Department of Education owes me {$4600.00} -- since my student loans have been canceled and as part of the XXXX XXXX XXXX case ; all voluntary payments should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: DE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 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 2025-01-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I try to open many banks accounts but I can't my stuff been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
I called to put my student loan on deferment and was approved for 1 year. 6 months later I received a notice saying I'm being put on collection. I called to find out what happened and explained that I was eligible and approved for 1 year deferment. The people on the phone said that they are not going to change it, I also asked for them to check and provide me with the recorded conversation and they refuse to provide it saying it was not recorded. The situation was that I was approved XX/XX/XXXX and was supposed to end XX/XX/XXXX. The agent made a mistake and entered the deferment for XX/XX/XXXX and ends XX/XX/XXXX. I raised this issue and they said that the line dropped and I never called back, which is why i asked for recorded conversation. They refuse to fix this issue and have dropped my credit score and rating. This is affecting my personal and professional life and I do not thing this is fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
I open up account with them XXXX and service wasnt provided as was explain I was building my credit so I could have purchased a house as a single mother of XXXX kids!! The service was taking so long and I was mislead!! By the been said I was back at square one with my hopes back down again!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX Auatus - XXXX, XXXX, XXXX I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/XXXX, our company, XXXX XXXX XXXX XXXX , wrote a check ( # XXXX ) in the amount of {$75.00} to pay for an alarm system from XXXX XXXX XXXX XXXX XXXX XXXX 

We realized on XX/XX/XXXX when checking our banking statement that {$7500.00} had been debited from our account for the check # XXXX. We then checked the copy of the check and realized that we had accidentally written {$75000.00} in the written dollar amount portion of the check, but had written {$75.00} in the numerical dollar amount section. 

We then called XXXX on XX/XX/XXXX and they confirmed they had only received {$75.00} in their account. That same day, XXXX filed a claim on our behalf with their bank, Wells Fargo ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), who stated they would fix the issue. 

On XX/XX/XXXX, we noticed on our banking statement that an additional {$67000.00} had been debited from our account on XX/XX/XXXX. We called XXXX to see if the funds had been deposited in their account, but they stated that nothing had been received. 

Our bank, XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), on XX/XX/XXXX attempted to contact Wells Fargo to help us resolve the issue, but Wells Fargo told them they had no idea whatsoever regarding the issue. 

Today ( XX/XX/XXXX ), we contacted XXXX for an update with their bank, and they stated they were called on XX/XX/XXXX by an auditor from Wells Fargo who said they were in contact with XXXX to fix the issue. 

We also on this day went to XXXX and talked to the director, who confirmed that they have not received any communication from Wells Fargo regarding the issue.

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 2025-01-03 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: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over XXXX days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.

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