vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Ive been with Navy Federal Credit Union for over 5 years. For the past 5 months my credit card has been compromised. I havent had any help from my credit union to retrieve my funds. 
On XXXX XXXX, my wife received a letter from XXXX XXXX XXXX saying that they had a data breach. That over XXXX XXXX of there clients were hacked by a vendor of theres. I really believe that was the reason my credit union has had so much problem retrieving my money. I did send the credit union a copy of the letter we received from XXXX XXXX XXXX. BUT, still they havent returned my money. I received a letter from nfcu saying that my account has been set to a representative to help me with my dispute. Last week I went to my local NFCU and showed them that the credit union has double charged my account. Today I believe that person assigned to my case doesnt have the knowledge or the guidance to evaluate my account properly. Thats why am contacting you. 
Am a XXXX Veteran. I am scheduled to have XXXX next week on my back in a few weeks. I really need my funds as soon as possible. That money will help me during my time off of work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
According to FCRA these companies are in violation

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Hi, I am customer of https : //www.spservicing.com/ my LTV ratio is lower that 60 % almost and they are not removing my PMI until XX/XX/2025. I already had some financial trouble with fire and increased property taxes in XXXX XXXX, NJ. If they can remove {$69.00} PMI it would really help. 

Please let me know if you would need any more information. 

Thank you XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Refer to previous CFPB # XXXX, XXXX XXXX. " BANK '' refers to " BOFA '' etc. BANK continues failure refuse use of correct addresses, access cards for all BANK credit and deposit accounts sent to incorrect address thus hazards/ disrupts access to funds ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Fate of cards unknown. Attempts to contact BANK by computer and voice still ineffective, loops to AI agent etc. Accesses to account through BANK internet fail, seems to leaves account open ( XXXX  XXXX, XXXX XXXX ), thus BANK request to delay of prior CFPB # XXXX on XXXX mere delay tactic. 

First impression was that USPS was at fault thus prompted my submission to BANK a dispute and retraction of payment to USPS when in fact BANK was responsible, an embarrassing waste of time. 

Exhibit/ XXXX/ XXXX/ Date : XXXX XXXX. BOFA incorrect address XXXX XXXX  XXXX. XXXX correct address XXXX EX XXXX. XXXX messages on BOFA envelopes XXXX XXXX  XXXX. BOFA website breakage example XXXX XXXX  XXXX. BOFA XXXX app breakage example XXXX Exhibit filename : XXXX XXXX XXXX XXXX XXXX Note, don't publish the exhibits.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
XXXX months ago, I moved from XXXX XXXX to XXXX on XXXX orders. Before I moved to XXXX XXXX, I lived in the XXXX, where I registered for a Chase Sapphire card back in XXXX. I have used this card since then in the XXXX, XXXX XXXX, XXXX, and XXXX. Last month, on XX/XX/XXXX, I bought XXXX tickets online for XXXX XXXX using this card, and Chase froze the card and did not let the purchase go through, despite being abroad in XXXX and XXXX for almost 2 years. I called their customer service to unlock the card, but it was stated that to verify my identity, I must have a XXXX phone number. I have not had a XXXX phone number since XXXX, and the one i have on file with Chase is currently a XXXX phone number. The customer service representatives would not allow another way to verify my identity and my account has been locked since. I tried calling again that day, and the customer service gave me the same response, saying that a representative will reach out to me in XXXX hours. I was never contacted by phone or email which are on file. I called again on XX/XX/XXXX, with the same responses. A representative still never reached out to me ever. I called again XXXX XXXX and was able to talk to the customer protection department, and despite answering alll of my security questions correctly, I was told I must have a XXXX phone number and a representative will reach out to me in XXXX hours. I asked to close the account, and I was told i was not allowed to since the account is locked. I was provided no other means, and the customer service hung up on me despite pleading for another way. It has been XXXX hours, after a month of trying, and Chase has locked me out of my credit card account with no way to use it or close it. I can not even use {$740.00} in travel points because i apparently must use my chase card to do so. 

I can provide all information on the account in order to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX account number # XXXX has violated My rights 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have one account reported in my credit report that do not belong to me and I would like to remove it due to identity theft

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights . Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

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

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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 not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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 not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
On XX/XX/XXXX I received a call from chase bank ( which I later learned the phone number was manipulated ) and a man asked me my name, confirmed my card number, and stated someone in NY was attempting to purchase {$900.00} worth at a macys which I said I did not authorize they asked for my pin which I did not give and hung up immediately. I called chase to see if they called me to which they said they did not. I received suspicious emails shortly after from a fake chase email which looked legit and I did not respond. Shortly after I noticed XXXX wine withdrew {$2400.00} from my bank account at a chase atm in XXXX XXXX. I called chase to report the unauthorized transaction and they froze the account sent me a new debit card and they didnt credit me my stolen money back. On XX/XX/XXXX I called chase and they stated the claim was closed I immediately asked how and they said someone used a digital wallet to steal my money theh credit me the money back and on XX/XX/XXXX they took the money all back and Im left with {$30.00} in my bank account. Ive been a chase customer for over 10 years. They said they closed the claim and took my hard earned money back because the criminals used a pin to access my money. They refuse to pull up footage at their own branch which would show its not me. Chase bank are thieves and dont back up their loyal customers nor protect them from theft. I have nothing now I never gave my pin our no one accessed my phone I was hacked and they could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Shared personal data with other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
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 under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 1681 a ( 1 ) The Banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report, I realize that my report is in accurate in this inaccurate report is unfair to me, because I was never notified where the inaccurate information was furnished, and I was never notified during the companys investigation that they were going to report the information.

Pursuant to 15 USC 1681 a ( 1 ) This grave in accuracy has undermined my confidence in this companys procedures, and as a result of this, I am thinking about no longer extending credit, and if the information is not removed, I no longer want my information reported in this companys database.

Pursuant to 15 USC 1681 a ( 2 ) Trans Union is a powerless, elaborate mechanism this mishap that Trans Union has caused has ruined my reputation in adversely affected my credit worthiness.

Pursuant to 15 USC 1681 a ( 3 ) Trans Union assumed this role they were not given expressed permission by me, the consumer or a competent court of jurisdiction so not only did TransUnion fail in the initial investigation. They also assume this role and assume this information was valid, which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( 4 ) Trans Union did not ensure that this information was accurate and Trans Union did not exercise their grave responsibility with fairness and impartiality. Trans Union took one side of the story and never consulted with me to find out if this transaction even took place as a result of this, my privacy was breached and is violated my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that Trans Union is reporting and failed to investigate whether or not if actually took place can be categorized as a transaction that took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact, is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) 2 A ( iii ) And Trans Union initial investigation. I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a B Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report this alleged transaction that Trans Union clearly did not investigate. It is categorized as a transaction that was issued from a credit card.

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 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have been receiving daily robo calls from jc penny card services, I called them and found out someone used my phone number to scam them. I asked them to stop calling me and was assured they would, but the robo calls continue.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I HAVE 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. 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 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 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed 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