vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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:
On XX/XX/XXXX through the XXXX i was at a XXXX XXXXl. On XX/XX/XXXX I had my phone stolen, along with my ID, personal information, and all of my debit/credit cards. Whoever stole it went and made purchases with vendors who were working at the same festival I was at. I know this because on XXXX of my bank transactions it shows a website, and when i looked up that website XXXX it looks like XXXX XXXX merchandise from similar vendors who were there. So I assumed when they paid with the merchant that they just charged my debit card as a credit to bypass the pin. I was unable to get into my bank app to freeze my cards the evening it happened because i had my phone stolen, and couldnt login with another phone because it needed my phone number to send a verification code. By the time I left the festival, all of the Chase banks were closed. I couldnt contact Chase banks customer service due to the hurricanes happening so there was no one I could talk to. I went to the bank the next morning ( XX/XX/XXXX ) and they were unable to do anything in person because I didnt have my ID, but gave me a number to call. They provided me with temporary funds to make up for what the thief spent when I called the number they provided, but on XX/XX/XXXX I was seeing those same fraudulent charges made in my account again. I called Chase again and they were able to reverse it once again. But because I was at a music festival for 4 days, of course I would be spending money at the same places the person who stole my card had made, and when I spoke with the fraud department they asked if I made purchases with the merchants in the past. I did end up using my new debit card number to make some purchases at the festival on XX/XX/XXXX and XXXX, but nothing through the XXXX. The event happening was outside, so there werent any cameras to prove it was someone else using my card, and these vendors dont have a physical store where I could just go in and contact them. Chase bank had told me this morning ( XX/XX/XXXX ) there was lack of evidence proving that it was fraud and to get in contact with the merchant. They said if I provide any documentation i can appeal my case, but there is no way of doing so. I have no idea how to contact any of these vendors because they were just at booths, there was no company name or contact information set up. Its not like I can go back to the festival to get any proof. This has been a nonstop nightmare dealing with this for the past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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 credit report displays several billing mistakes marked as late payments, which misrepresent my actual payment habits. Please adjust these errors and update my account.

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 2024-10-31 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: OH

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-31 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was speaking to them on the phone while asking them for records of my money and withdraw history including a in branch withdraw with the same ID provided for both opening the account as well as withdrawing money. I was then denied the paperworked asked for to be emailed to me. I then asked to a supervisor only to be told that I can not speak to a supervisor. I missed making my rent and also being able to even afford gas or food for my family during this time. They knowingly opened my account, took my money, let me make multiple transactions with multiple verification steps even asking my mothers age and what street i grew up on from public records but then refused to let me close my account or provide a resolution or documentation of 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a Financial Hardship Application to my mortgage lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX request a short extension of my previous Forbearance. After unfreezing my XXXX credit report on XX/XX/year>, my mortgage lender confirmed via mail that all has been received to process my application, with letters dated for XXXX. On XX/XX/year>, I received a Notice of Default letter dated XX/XX/year> ; and after speaking to the Loss Mitigation department, the NOD was entered on my property and loan on XX/XX/year> -- which is a violation of the California Dual Tracking Ban per the Homeowners Bill of Rights. After speaking with XXXX managers in the Loss Mitigation department, none of them have been able to confirm the removal of the NOD, as they have stated that it is protocol '' to enter the property into pre-foreclosure while simultaneously reviewing a completed Financial Hardship application.

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 2024-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I've recently reviewed my credit report and noticed several inaccurate accounts and unauthorized debt accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
There are errors on my credit report with accounts that appear to be reported in my name incorrectly.

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 2024-10-31 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: MN

Complaint narrative:
Called creditor in XXXX of 2024 and paid balance in full. Was told that this will be reported as paid to the credit bureau on XX/XX/year>. 
2 disputes filed with Transunion in XX/XX/year>. Results show account verified and accurate. Contacted creditor twice to confirm account is paid in full and this was reported to Transunion. was advised to file another dispute. Called Transunion in XXXX and filed a dispute over the phone. Included copy of paid receipt from creditor. Received notification via mail on XX/XX/year> that account was verified and accurate. Again I called the creditor and confirmed this was paid in full and reported to Transunion on XX/XX/year>. advised to file another dispute.

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 2024-10-31 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-10-31 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-31 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: 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.

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 2024-10-31 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: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Credit Card Fraud **Subject : ** Unauthorized Transactions on Credit Card **Complaint Description : ** I discovered multiple unauthorized transactions on my credit card statement. I reported it to my credit card issuer, but they have not yet resolved the issue or refunded my money. I am concerned about the lack of urgency and need the CFPBs help in rectifying this situation. 

USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-31 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: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
When i had my car loan i fell on bad times during covid. I did a covid relief extension and was approved. It was explained to me that the months that they are excusing because of covid will be placed on the back of the loan so when the extension is over i would only have to pay XXXX month as opposed to all of the months that was moved. When that time came, I was ordered to pay thousands of dollars and they refused to honor what they agreed to do. I went back and forth with the company for months before they reported my loan as a collection and later reported it as charge off as bad debt and charged off as a loss in XXXX. There was never an attempt to reposes the vehicle nor was there any paperwork saying that was the plan. I called all the time to try and find a resolution and they stopped returning my calls. Fast forward to XXXX of XXXX i woke up and noticed my car was not in the driveway. I immediately called the police to report my car stolen just to be notified by the police that my car was repossessed. I called regional acceptance and they told me that they car was not repossessed and they don't know what happened to it. They told me never tried to take the vehicle. They also informed me that I should take it up with the credit bureaus and get the account removed from my credit. I contacted all XXXX bureaus and they all removed them except for XXXX. The account was closed in XXXX and for some reason Regional acceptance decided to update the balance of the account and decrease it by $ XXXX and say that the last payment was made it XXXX of XXXX which was a lie. It seems as though they did that to shut me up after I made multiple disputes but it also was done maliciously. This company stole my car and sold it. Repossessed it and did not report that it has been repossessed to the credit bureaus. I am asking that this account be removed my from credit immediately and i demand paperwork proving that they notified me of the repossession and that they notified me of the sale of the car.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN CONTINUES TO LIST ON MY CREDIT REPORT NAMES AND ADDRESS THAT DO NOT BELONG TO ME .AND IT NEEDS TO BE REMOVED AND DELETED AND UPDATED WITH MY CORRECT NAME AND PRESENT ADDRESS ONLY!!! 

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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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-31 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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