vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: GA

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 under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account XXXX : XXXX  XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
The debt is regarding a rental car damage that does not belong to me, with XXXX XXXX XXXX XXXX. The car had insurance and the damaged was caused by another party not me. The incident was reported and resolve by insurance company. This collection company is trying to get money from me that I do not owe. I rented this car for third party that already resolve this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: World Acceptance Corporation
State: KY

Complaint narrative:
XXXX of XXXX  my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
I applied for a XXXX $ personal loan and the interest rate changed to 23 % after i agreed to the loan. the information sent prior to agreement was a lower interest rate than I am now responsible for. I attempted to get information and the customer service sent me to applications to obtain a larger loan. I have received mailings asking me to apply for a larger loan from discover. I attempted to negotiate at reasonable pay off amount XXXX $ of XXXX $ and was denied with continued attempts to have me give them auth to schedule autopay and update my banking info. I believe this loan practice is predatory and there is no attempt to assist me as a customer. the current loan has collected XXXX $ interest over one year. I have made on time payments for a year and only XXXX $ has been taken off my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A dispute was submitted to Experian mailed certified mail XXXX tracking XXXX. I received an email from Experian refusing to investigate this issue and advising that I did not send the disputes, which is incorrect. I mailed these disputes off, I've provided my ID, bank statement, and XXXX to verify my identity. Attached is a copy of the tracking and the email I've received from Experian. According to the tracking, the dispute was delivered. According to the Fair Credit Reporting Act inaccurate, or unverifiable information must be removed or corrected, within 30 days. Not doing so, is a violation of FCRA.

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CA

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 under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 1

5 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 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
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX  by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-28 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: NJ

Complaint narrative:
Under this original complaint number XXXX, the company stated that they would remove all of the reporting from my credit bureaus and validate the debt. They also said they would not re-report the debt on my credit report. They have violated this and according to FCRA 611 - 15 U.S.C. 1681i, so has Experian for allowing this information to be represented on my report. I have disputed this information and intend to take legal action against them both for violating this agreement. 

*New updated complaint number 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 2023-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I made my initial call to the customer service line to close my savings account on XX/XX/2023. I was told it would be done by XX/XX/2023. When I did not receive my money I called on XX/XX/2023, to get confirmation or ticket number. I was given a number but did not receive my money. I call daily to inquire about the delay, but I am never given a reason. On XX/XX/2023, I was told there was an error, but the bank could not tell me what the error is. There is no manager or supervisor to speak to about any problems. I have been researching this bank and there are numerous complaints about similar issues where people can not get their money. I am a XXXX XXXX  on a fixed income, and I do not have thousands of dollars to play with while waiting for this bank to give me my money back.

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 2023-11-28 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: GA

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 under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2023-11-28 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Date - XX/XX/XXXX Claim number XXXX Debit card ending in XXXX Claim related to account ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX XXXX a charge of XXXX for ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) was made to my Chase debit card linked to my Chase checking account. This was a fraudulent charge and was reported to chase the next morning. Chase immediately reversed the charge and started their investigation into this. 

Upon completing their investigation, they found this charge to be valid and removed the amount of XXXX from my checking account. 

Chase told me that this debit card was added to a mobile wallet a few months back before the charge has been made and assumed that it was a legit charge. But I do not use any virtual/mobile wallets.

I have never used a debit card to make any online payments.This debit card was not saved to any online website or even had the details entered online anywhere. I only used this card 3-5 times to withdraw small amounts of cash from only Chase ATMs inside of the Chase bank. It never left the home other than those few times. I do not keep a debit card in my wallet on me.

I have not added this debit card in any mobile/virtual wallet as I do not use Debit card at all. 
Chase is unable to give me details of when this card was added to a mobile wallet or who added it. Since I do not have my own amazon prime, there are no records of this to prove that I did not make the charge. Amazon does not recognize the charge as they would need an account to pull up this information. This seems like a case of a BIN attack or some hackers cracking my debit card without it leaving the home or having the info entered online anywhere. It is absolute incompetence on the chase fraud team on having recognized a fraud charge as a legit transaction. 

Chase stole XXXX from my checking account and is refusing to revert those charges back. I have reopened the case 2 times and still they are not being helpful at all. The reps who I spoke with were not helpful either. They said they can not do anything about it as it is the fraud team who makes the decisions. I am not being transferred to their back end team who makes these decisions. 
I even went to the bank branch nearby and even the people at the bank were unable to help me with this. 

Chase should be held accountable for this. It is absolutely disgraceful on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
I was XXXX to a XXXX XXXX in XXXX and informed Mohela. They let my account accrue interest over this time period over my objection. I paid {$10000.00} at the end of the XXXX, a large portion of this paid the interest that accrued during the XXXX. 

I have had many problems with this company over the years and have addressed this issue to them several times. 

I again messaged them about this interest charge specifically again on XX/XX/XXXX. At that point I asked for a review of my account for the period of the XXXX and a refund of the interest paid. Since then, I have written Mohela 7 times asking for updates and have received several answers that clearly dont address the issue. The last several responses have only stated the information is being reviewed. This has now gone on without a response for over 7 months and I havent heard anything from the company in 6 weeks. 

This company goes out of its way to be unhelpful and get as much from the accounts it services as possible, even if it has to ignore the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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:
am a XXXX XXXX  who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went for an auto loan about 1 year ago on XX/XX/2022, it was 5 hard credit checks that should just count as one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Subject : Urgent Matter - Investigation and Rectification of Altered Check Deposit Dear Huntington Bank Associates, I trust this message finds you well. I am writing to address a matter of utmost importance concerning a recent check deposit in the amount of {$2000.00} USD. It has come to my attention that the check may have been altered or tampered with during its processing at XXXXXXXX XXXX XXXX  refund department or in transit possibly. 

I want to assure you that I am actively working on investigating this issue and have engaged with major government agencies to rectify the situation promptly. I understand the gravity of the matter and the impact it may have on the integrity of financial transactions.

Rest assured, my commitment to resolving this matter is unwavering. I am cooperating fully with relevant authorities to get to the bottom of this and ensure that any discrepancies are rectified at the earliest possible time. I understand the importance of maintaining trust and integrity in financial transactions, and I am dedicated to upholding these values throughout this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: GA

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 under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 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
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
CFPB-15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2023 I visited a pumpkin patch with my XXXX XXXX. The merchant was to charge my card {$73.00} only once. The merchant stated their payment terminal was not working and ran my card 3 times. I opened a claim with Barclays for the 2 unauthorized transactions, however the case was closed as the merchant provided 2 signed receipts. I did not sign any receipts ( merchant forged signature ). Still, Barclays is denying claim. Barclays is not protecting the consumer as per Regulation E.

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 monetary relief
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These following inquiries are fraudulent : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2022

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