vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received a message on XX/XX/23 at XXXX stating someone tried to charge my card at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX at XXXX XXXX for XXXX I was at work at the time of this happening in a completely different state. I work for XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I have my work schedule with a proven timestamp along with my work phone that has remote access granted via IT as well as XXXX. 
I called my bank once I got off work to further dispute the charges and I seen that my money was moved from my savings account over to my checking and it was spent. XXXX charges are made at a XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX for the amount of XXXX  XXXX different times. The first at XXXX, then XXXX, and finally XXXX. I called my bank once they denied the dispute and they never told me why it was denied, they only said they would send me a link to send in the supporting documents to re-open the case that was already denied with the same supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX  Claim I Owe A Debt of {$2500.00}. 
This account does not belong to me.

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 2023-11-14 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: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: UT

Complaint narrative:
XXXX ACCT : XXXX XXXX XXXX I opened an account with XXXX, which turned out to be a HUGE mistake, a XXXX XXXX ago. I had a garnishment about to reach my old acct and wanted to remove the money quickly. I couldn't link a bank to XXXX to do wire transfers so I deposited XXXX checks for XXXX and XXXX. Immediately I had the deposits held for XXXX days. No big deal for a few days because I didn't have a debit card and just needed to move the money to new acct. The XXXX cleared. The XXXX did not because I couldn't keep waiting for XXXX to extend holds wk to wk to wk. I was locked out of my acct with the XXXX still in it. I was told I was a " fraud '' and I had to talk to the fraud department. This is my money in the acct. My deposits. From my own account elsewhere! I talked to fraud, explained things and they still told me I had to physically go to branch and sign a bunch of affidavits and statements like I had committed crime... with MY money! I will not do that and if my money in the acct isn't accessible within XXXX  days, I will sue XXXX over XXXX. Trust me. I've sued for less. I will report them to the XXXX and anything else I can think of. After being accused a fraud with my own money I won't be doing business with XXXX and I won't be going into a branch. The money needs to be returned immediately. XXXX needs to unlock access so I can transfer the Money out. I'm not messing around with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit has been sending me letters and calling dozens of times a day for months. I have disputed this debt multiple times with both credit bureaus and have gotten absolutely nowhere as they just send the exact same documents to me and state that I am responsible for this debt. 

I am NOT responsible for this debt and I have notified them multiple times over the past 2 years. I am now being sued in court by a lawyer and have a court date on the XXXXXXXX XXXX XXXXXXXX. I am a XXXX percent XXXX XXXX  and only collect my XXXX benefits. I have no other source of income. They do not " investigate '' the dispute, they just send the same documentation accusing me of a debt that is not mine. 

I have been threatened with legal action AND now have a court date. I can not afford a lawyer. 
I can't dispute the debt anymore than I already have with continuing to be ignored in my disputes and then threatened legal action and to take my XXXX pay. 

This is not my debt as I have communicated this over XXXX times now. I do not work and only have my XXXX benefits so on top of hundreds of phone calls and letters, to include letters from a lawyer, I have not only been threatened with legal action, I have had it taken against me for a debt that is not mine and have to go to court for this. 

I have also had the sheriffs department show up at my door and serve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: GA

Complaint narrative:
I pulled my credit report from Experian and an unauthorized account from XXXX XXXX reporting in the amount of XXXX I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 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: CA

Complaint narrative:
Chase Bank Private Client Checking Account # XXXX I reported my private client debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. 
There were many transaction on the card that I reported as unauthorized, however, unfortunately, the following XXXX had already been posted onto my account : - Non-Chase ATM Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} - Non-Chase ATM Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} On XX/XX/XXXX, I received temporary credit for these transactions. 
On XX/XX/XXXX, I received a letter from chase that the transactions were processed according to the information I provided or were authorized, and that the temporary credits will be reversed This is absolutely unacceptable : Since XX/XX/XXXX that I reported the unauthorized activity on my account, I never received a call/letter from JPM Chase Bank XXXX requesting additional information, prior to my claim being denied. To solidify my case, please note that I have also filed the police report # XXXX, XXXX XXXX, XXXX # XXXX. 

According to laws and regulations, for any unauthorized charges made on my debit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed ( under the penalty of perjury ), as well as the prompt reporting of the unauthorized charges on my debit card, I would appreciate it, if JPM Chase Bank could reconsider its decision, re-open my fraud claim, and reimburse me for the fraudulent charges that has occurred on my debit card. 

If JPM Chase Bank still decides to deny my claim, with all the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute a specific entry on my credit report. Under federal regulations, particularly 15 U.S. Code 1681i, credit reporting agencies are mandated to conduct a comprehensive reexamination when there is a dispute concerning the accuracy or completeness of an item on a 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 2023-11-14 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX XXXX XXXX XXXX XXXX Closed Accounts : XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 of 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 explanation
Consumer complaint received 2023-11-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is the refilling of my complaint to BARCLAYS BANK DELAWARE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions.

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 2023-11-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-14 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-14 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: TX

Complaint narrative:
Equifax hard inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see some of these hard inquiries are the same i placed a fraud alert on all three reports XXXX Equifax and XXXX I did not authorize any of these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I started the loan modification process to resolve being behind and during the process an evaluation was done on my Mortgage. At no time did the modification team communicate to me that my payment would down nearly $ XXXX, telling me only that due to the interest rate increase, that my payment would temain the same. I was not offered any options ( quitclaim deed with FHA, or opportunity to take the lower payment and make up difference/back payments ), and I believe this was so they could collect more interest from my a cou t - a deceptive practice taking advantage of a consumer under financial stress- it is an issue under UDAAP. 
Additionally, when I discovered the reevaluation information and I called I was told a check would be sent for the overage of my escrow but since the modification had been signed there was nothing they could do. That overage check never appeared and dueing the initial call I was told I could NOT speak to a supervisor, but they would request a call back. No supervisor called. I called back again and today was told the escrow overage was used towards my Principal during modification, but on a previous call I was told that escrow funds could not be used towards the balance. More deceptive practices. 
No one seems to know where the escrow funds actually went - I was transferred to several departments all telling me they didnt have that information and another dept would have to answer. 
This is absurd, for a financial institution to not know and be able to tell me where money went! And to intentionally withhold information that may have benefited the consumer for thier own financial gain is disgraceful.

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 2023-11-14 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:
A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and Equifax : Account number XXXX. MUST BE REMOVED NOW XXXX : XXXX account number has never been late. This late payment MUST BE REMOVED FROM XXXX immediately. 

I disputed XXXX capital on XX/XX/2023 as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and XXXX : Account number XXXX. MUST BE REMOVED NOW EXPERIAN : XXXX account number has never been late. This late payment MUST BE REMOVED FROM Experian immediately. 

I disputed XXXX XXXX  on XX/XX/2023 as well.

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 2023-11-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchased a {$200.00} gift card from XXXX XXXX store. I activated the card and updated the PIN. I purchased a soft drink and within five minutes the card was blocked because of suspicion of fraud. No fraud occurred on the card. Card companies are instantly blocking cards with lack of evidence of fraud. I needed this card to cover expenses on a trip. I had to cancel my trip and turn around and return home because I could not purchase gas. I also believe I should be compensated for their mistake of closing the card without proof of fraud. The card was closed to benefit them and not me!!!! 
I immediately reached out to the company and told them no fraud occurred. I have been hung up on and treated like a criminal through the entire process by this card company. I have faxed documents to them twice and each time they tell me the documents are blurry, readable yes, just blurry. I tried to follow their procedures of uploading documents using their website. The website does not work, as verified by the company, to allow for the upload of documents. No one should have to go through this process to claim their money, especially when no fraud was reported or occurred!!!! I want my {$200.00} gift card replaced.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/2023 : Notified M & T an unauthorized {$200.00} XXXX charge appeared on my bank statement. While on the call, the bank representative noticed another charge of {$67.00}, also from XXXX made the same day of the call. 
The XX/XX/2023 call with M & T about the unauthorized charges was made from my car, with my son, driving back from the XXXX XXXX in XXXX MD. 

On XX/XX/2023, my account was closed, card cancelled, and replacement reissued. 
I was in position of my physical card at the time of the call. 

XX/XX/2023 : Filed XXXX separate claims for the unauthorized charges : Claim Number XXXX ( {$67.00} ) and Claim Number XXXX ( {$200.00} ) XX/XX/2023 M & T sent letter denying the {$67.00} claim, while concluding the {$200.00}. claim was valid. 

XX/XX/2023 : Called M & T to protest their denial of the {$67.00}. Customers Service Representative informed me their reason for denial was " because the physical card was used ( and PIN ) to make the purchase. '' Explained that was impossible, because the card was always in my possession, and I did not make either XXXX purchases. The XXXX store involved in this dispute is located in XXXX AR. 

M & T 's claim my physical card was used to make a purchase in AR while I was driving in my vehicle in XXXX Maryland ( with the card in hand ) is mind-blowing.

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