vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received two emails from XXXX, with the first saying " Congrats, you're an administrator at your company '' and the second saying : We've successfully received your order. 
XXXX XXXX : XXXX Order Placed : XX/XX/XXXX XXXX, Thank you for shopping with XXXX Your order is processing and we'll email you as soon as it ships. Click below to view your order details and the latest status information. 

I immediately logged into my account and noticed that someone had hacked into my account, changed my password, added a company ( XXXX XXXX ), and managed to place an order using my credit card and email address to the following address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX. Note that both the billing and shipping address were the same. I currently reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I have lived in XXXX since XX/XX/XXXX and have never lived in XXXX XXXX 

I notified XXXX of the fraud, and managed to kick the other person out of my account. XXXX claimed to try and cancel the order, but failed to do so and said that they wouldn't refund me due to the product leaving their distribution center. 

In parallel, I notified Chase and had them mark the {$940.00} charge as fraud while also canceling my credit card. They said no problem and I went ahead and changed all of my passwords for all accounts ( banks, newsletters, health, and more ), thinking that was the end of it. 

On XX/XX/XXXX, I received a letter from Chase stating that they looked into the matter and the investigator came to the conclusion that the fraud was not fraud and I'm on the hook for the {$940.00} charge. I contacted them immediately and was told that while investigating, XXXX claims that it was me who placed the purchase... even though the whole reason for this is that I never placed the order and it was fraud! I live in XXXX and have no secondary business called XXXX XXXX... 

When I pressed the Chase agent over the phone, he says that XXXX claims that it's impossible to have their accounts hacked. I begged the agent to reopen the case, and I shared all of the details, including the XXXX invoice, my home address, and more. I told the Chase agent to look through my Chase banking history, where he will notice that the last time I visited the greater XXXX area was XX/XX/XXXX, and that the only time I've ever stepped foot in the XXXX was for an XXXX game back in XX/XX/XXXX. 

I've tried having XXXX refund me, but they keep telling me that there's nothing they can do since the product was shipped out to the fraudster. 

On the other hand, Chase keeps telling me that I placed the order... even though I obviously didn't. 

Can you please help me? If this was only $ XXXX, I wouldn't complain but we're talking about a significant charge of {$940.00}...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
I have sent debt verification letters to all 3 credit bureau as well as company XXXX XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to experian that in all 3 months I was XXXX days past due how is that even possible, to XXXX it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that i have in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give 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 non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that i have in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I am being ignore after attempts to have inaccurate information removed from my credit report. These are clear violations of the FCRA guidelines.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
On XX/XX/2024, I logged on to my account with Prosper Card. I made a change to my auto pay status. I switched it from paying minimum to paying the full statement balance. My payment date was XX/XX/2024. On XX/XX/XXXX I logged on again and saw that the change was not made and only the minimum o {$35.00} was paid. I immediately paid the statement balance of {$1000.00}. The end of the billing cycle was XX/XX/XXXX. When I received the statement for XXXX I was charged {$24.00} interest. I called Prosper to complain and spoke with a regular representative and a supervisor named XXXX. I explained that it was their error in the auto payment as I requested the change XXXX days prior to the due date. I explained that online it only says that changes can not be made within XXXX sats of the payment day. I should not have any interest charged because I requested the statement balance to be paid in full, and after I realized their error I paid the balance XXXX days later, still XXXX day before the end of the billing cycle. I was told that changed to auto pay take XXXX months to go into effect. I asked for that in writing and did not receive it. I only received a generic email stating that the interest charge was correct.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: VW Credit
State: AZ

Complaint narrative:
My credit report from XXXX and XXXX is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I am being ignore after attempts to have inaccurate information removed from my credit report. These are clear violations of the FCRA guidelines.

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 2024-06-25 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 privacy and confidentiality 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make and consumer report containing and of the following items of information. Any other adverse items of information. Other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One did not charge to correct bank accounts on my XXXX XXXXXXXX card and violated the new max fee limit established by cfpb legislation back in march by charging excessive XXXXXXXX XXXX fees and XXXX dollar late fees multiple times on my XXXX  XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

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 2024-06-25 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

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 2024-06-25 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: IN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I am being ignore after attempts to have inaccurate information removed from my credit report. These are clear violations of the FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my XXXX due to me being denied for housing because of this error.

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 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing to notify you that my credit report shows a balance for a Torrid account issued by Comenity Bank that I have no knowledge of. This is a fraudulent account and I request that it be immediately closed and removed from my credit report. 

This is the second instance of a fraudulent account I have found under my name with Comenity Bank. I do not have any legitimate accounts with Comenity Bank and therefore, I request that you close out any and all accounts in my name to prevent further instances of fraud. 

Please confirm that these accounts have been closed and removed from my credit report. Additionally, please provide any information you have regarding the opening of these accounts, including the application details and any transactions made. 


Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We closed on the sale of our home on XX/XX/year> and our mortgage payoff was wired on XX/XX/year>. Our lender waiting until XX/XX/year> to send our escrow refund. As of today, XX/XX/year>, we still have not received our escrow refund. I called our loan servicer and told them we had not gotten our refund and asked them to overnight a new check to us with tracking since they are already past the 20 business day rule, and they refused only offering to cancel the old check and re-send a new on that can take " 10 to 15 days to get to us. '' They are now out of compliance to XXXX.

Company response to consumer: Closed with explanation