vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Over the weekend, XX/XX/XXXX - XX/XX/XXXX, I received an alert when attempting to log into my XXXX account. The alert said that the online account had been locked due to fraudulent account access and that I would need to call in to unlock the account. I called in over the weekend and spoke to customer service. They informed my the department that could unlock the account wouldn't be open until Monday. So, I called back Monday morning and got the account unlocked. Fast forward to XX/XX/XXXX and the account gets locked again with the same fraud message to call in. So, I call in and get the account updated and unlocked. The gentlemen informed me that he needed to get me over to the credit card fraud department as there was a flag on the account. That department informed me that a large amount of rewards points were transferred out of my accounts and also gift cards were redeemed. So, the submitted a fraud claim to get that resolved. At that point we got with customer service and further reviewed the account to find out that someone gained online access to my account from XX/XX/XXXX - XX/XX/XXXX. The fraudster updated the email address in the profile to maintain access of the account. Further investigation with the Chase Customer Protection Group revealed that the fraudsters made multiple attempts to access the account on the 16th and finally called in to Chase customer service to answer some generic security questions. After that call was made, the fraudster gained access to the online account. They then proceeded to update two of my existing ACH vendor payee accounts with their bank account and routing information. Then they sent out three fraudulent ACH payments that appear to be going to legitimate vendors but in reality the money was sent to the fraudster 's bank account. These ACH payments total {$13000.00}. In addition, they transferred out over XXXX rewards points and made gift card redemptions online. I have called and spoken with numerous people in the Chase claims department, but they don't seem to be talking to their other departments and putting the puzzle pieces together like I have described above. I was just informed that the pending claim was going through to be denied. Ultimately, Chase 's Customer Protection Group agrees that the account was compromised by and individual whom they gave access to via a fraudulent phone call to customer service. Yet their claims department is denying any fraud occurred and denying the ACH claims. I haven't even been given a straight answer if XXXX has reached out the the bank the funds were sent to to try and get the stolen money back. The bank name, routing number and account number are all shown in the ACH transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 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: 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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2023-03-23 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: DE

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 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 2023-03-23 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: DE

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 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 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NC

Complaint narrative:
I have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IL

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 follow 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 2023-03-23 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 follow 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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
On XX/XX/XXXX, I moved into the XXXXXXXX XXXX. During that time I endured relentless harassment by the landlord. I have documented evidence. I also was denied services also of which I have evidence. Then, XXXX XXXX, the property manager denied my medications. When presented with evidence, she created a lie. She did not know the cards in question that she stated she allowed XXXX into my apartment and placed those on my door were actually sent in mail. 

I endured other vile acts by XXXX XXXX. 

Then, using TN State Statute ( Code 66 ) I notified XXXX of her harassment denial of services and other acts which were a violation of the law. I have the evidence to prove this. 

XXXX XXXX has been proven to be a lair. Everything she told me was a lie and can be backed up by documented evidence. XXXX XXXX, the liar, then again created an amazing story about a debt not owed since under TN statute we were allowed to leave without harm. XXXX again lied and created a debt not owed. She then sent it to a collection company knowingly that it was a lie. In doing so, this is an act of fraud. 

XXXX XXXX also misrepresented a material fact, knowing it to be a lie about medication required for a XXXX. I relied on this. This is not only a lie but can be inferred to be fraud as well. 

XXXX XXXX also promised me numerous times that she was doing something to basically earn my trust. I believed in her promises only to find out she was being deceitful. Promissory estoppel. Now, this same person, hit our credit with malicious intent to damage us. She continued her lies and harassment. 

We have suffere3d severe financial damage because of her. However, her attorney XXXX XXXX is just as responsible for these outrageous acts of creating something that doesn't exist. She represents the client and is confessing her fraudulent actions to harm innocent people is ok. 

We have much more evidence to show their abuse of the debt system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens bank had messed up and the calculations of things taken out and the proper time line which caused fee after fee the whole amount of {$1700.00} is all fees and the sent it into collections.The fees also ate {$800.00} before it started collecting more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: OK

Complaint narrative:
This has been an ongoing issue with PNC which was Compass Bank and which was BBVA at one time. I have reached out and asked for explanations as to why my report shows a 90+ day late payment when according to my financial institution no payments were reversed nor were they ever sent back. I have never received any correspondence from BBVA/Compass Bank/PNC on this matter and have been sending emails to an individual to fix this issue and still get no response. I have received notification from XXXX that my account was updated and they made it worse by falsely reporting dates. I have the bank statements showing payment done and from what I was told over the phone today that a payment was reversed and that is why it was 90 days, why was it reversed? Why will no one call and explain it to me or get me to someone who can explain what had happened and why will they not remove the repossession notice that BBVA has placed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I did a modification with my prior loan company XXXX XXXX back in XX/XX/XXXX. The modification 's effective date was XX/XX/XXXX. The first payment due was on XX/XX/XXXX. As soon as the modification process was complete and before the XX/XX/XXXX effective date, the loan was sold to Carrington Mortgage Services. Lower LLC did not send copies of the modification to Carrington Mortgage Services. I made contact with Carrington and they told me that my load n was in forbearance and it would not end until XX/XX/XXXX. I called back to them on several occasions to make sure nothing was due because I wanted to make sure nothing went wrong with the mortgage. I also sent Carrington a copy of the modification from XXXX XXXX by uploading it to the customer portal so they could see what the terms were. I sent the copies by email again in XX/XX/XXXX. No one from Carrington contacted me until XX/XX/XXXX to let me know that I owe for XXXX and XXXX on my mortgage. I called Carrington several times to make sure I didn't owe anything and all they told me was to wait until the forbearance was up on XX/XX/XXXX. They told me that they appreciated my calling in to check on the mortgage. 
I do not blame anyone but myself for putting my mortgage at risk financially but thought i could get the help I needed without finding myself almost back where I started. Carrington gave me a couple of options that were not at all beneficial for the customer. One was to redo the modification which meant that my APR would jump probably 3 to 4 percentage points because of the current rates. The other was to pay all 3 payments and get caught up. I just felt some of this responsibility should fall back on Carrington because I repeatedly called in to check so something like this wouldn't happen and obviously it did. There just seemed to be no giving from Carrington making me believe that they are not accepting any responsibility for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding a fraudulent XXXX collection account that has appeared on my credit report. The account in question is not mine, and I have attempted to dispute it directly with Experian, but I have not received a satisfactory response. 

I first became aware of the account when I received a notice from XXXX stating that I had an outstanding balance. This came as a complete surprise to me, as I have never had an account with XXXX or any other credit card company. I immediately contacted XXXX to explain the situation and to dispute the account. XXXX informed me that the account had been opened using my personal information, including my name, Social Security number, and address. 

I then contacted Experian to dispute the account, and provided them with documentation proving that the account was fraudulent. I have attempted to contact Experian multiple times to request that they investigate the matter further and remove the account from my report, but I have received no response. 

This fraudulent account is causing significant harm to my XXXX XXXX and my ability to access credit. I am now being denied credit and facing higher interest rates due to this false information on my credit report. I urge the CFPB to investigate this matter and to take appropriate action to ensure that Experian removes this fraudulent account from my credit report. 

Account details : XXXX XXXX  - XXXX - {$4200.00} - XX/XX/2022 Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-23 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: MOHELA
State: NV

Complaint narrative:
I am submitting this complaint to express my frustration and disappointment with the way my account has been handled by XXXX XXXXXXXX and MOHELA/DEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. 

Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. 

This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation