vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
My information was apparently sold and bought illegally because I was a victim of a XXXX XXXX BREACH. I am requesting to have these items DELETED from my credit reports effective immediately. I am attaching a letter displaying proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to resolve the matter to date. Please help me delete these illegal and fraudulant accounts from my credit reports that are attached below in this message : VERIFIABLE XXXX DATA BREACH CLAIM # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX BANK ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX -ORIGINAL CREDITOR : ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX LAST ACTIVE : XX/XX/XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX POWERED BY XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/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 2023-11-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Two fraudulent charges were quietly readded to my statement without justification. These are for services that I did not use and did not authorize. The card they were charged to has since been canceled because it was stolen. 

This is not the first time the company has quietly readded fraudulent charges to my statement long after the dispute was reported without any followup or proper documentation. The charges attached are simply fraudulent. 

Furthermore the company has been allowing charges to continue to be made to my old card that was stolen in XXXX XXXX. When I reported this instead of dealing with the issue, they canceled my current card XXXX which has not had any problems with theft or fraud reported yet. This left me stranded abroad without a way to pay for the basic services I need. This is not the first time this has happened either. 

The company basically refuses to properly process and handle disputes, fraudulent charges and other problems unless I file a CPFB complaint. 

To be clear, the card XXXX was stolen in early XX/XX/2023 and reported stolen in early XX/XX/2023. You can see on the attached invoice that chase allowed a new charge to this supposedly canceled card in late XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Several XXXX and XXXX charges appeared for at least 2 months on my card. I had my previous phone clonedand a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who very well could hack to do charges. I requested XXXX to stop charging my card however they refused. I reported the fraudulent charges to direct express. They gave me provisional credit then took it back. The money i get on this card is for my XXXX child. There's no reason to take it back as I would neve give permission for my card to be charged like that. In fact the card company should have seen it as suspicious activity and not allowed so many charges in a row. It's quite obvious no one would charge a card like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: AE

Complaint narrative:
I initiated a transfer through WISE from my XXXX XXXX account on XX/XX/XXXX. I use this account to pay my bills as an XXXX XXXX member stationed overseas. The amount was for XXXX which converted to {$2200.00} and was withdrawn from my personal account on XX/XX/XXXX as shown in the statement. I kept checking the status and of course it hadnt completed in time for me to pay my bills. So I contacted WISE and received this generic reply that apparently others have experienced. I expect no movement from them on getting my money back unless they have a incentive to do so, which this complaint may provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
My account Number # XXXX has been a victim of fraud by someone and also by the same company XXXX, I am starting legal procedures against them since their customer service is the worst, I barely could hear them and i tried like 20 times calling and calling to unlock my account, when I had the account Deactivated They said that in order to activate it I Literally had to steal the mail that they will send me with the verification code after the call at my previous house. 
By the way there is not a single XXXX office on my city so i couldnt do nothing, XXXX blocked my account and I was never able to dispute anything and now they put my account on charge off. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., According to 15 USC 1681i ( 5 ), YOU as a Credit reporting Agency are supposed to modify accounts that aren't reporting correctly. i demand also 15 U.S.C. 1681s-2 ( A ) ( 1 ) As proof that I suffered fraud, you can also refer to a collection that I had in my account which was confirmed by the agency ( XXXX XXXXXXXX XXXX ) and was respectively deleted for the same reason ( Fraud ) I also take this opportunity to express my gratitude for the excellent services you provided me since I began my Credit Journey , I have faith that you will understand this difficult situation that has blocked my path to Keeping an Excellent financial life as I had. 

Respectfully, 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 2023-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kopp Collection Service, Inc.
State: NY

Complaint narrative:
requesting a balance due of {$110.00} on behalf of XXXX XXXX XXXX XXXX XXXX that is not due

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 2023-11-30 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: 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 r
eport 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 2023-11-30 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:
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2023-11-30 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXX chase XXXX XXXX those are all the banks I seen that was opened up in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had a fraud issue where someone stole my information and gained access to my account. 
This all happened XX/XX/2023 as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. 
I fast forward to XX/XX/2023 my account was locked I could not log into my online banking I call I'm told my account is being closed and I would receive a cashiers check I ask questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me.

I then decide to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity can be confirmed. 
I speak with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. 
I left for a second I came back because I needed to speak with a banker about my situation the same instance happens I speak briefly with a banker for the second time still the banker does not ask my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. 
I went to the branch because it is the closet branch to where I live I usually go to the branch that is a town over from me. 
After leaving I then call the risk and closure department and ask if I could pick up the cashiers check in person I was told no it has to be mailed and it will take 10 days. 
The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their Id and social to verify their identity and then issue the check once identity has been confirmed in person. 
What Bank Of America is doing is not combating fraud but contributing to it.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I send out an email to experian, XXXX & XXXX regarding my credit score is wrong in other words my score should be XXXX and not XXXX cause I made on time payments and i have a long history on time payments which helps me boost my score so I ask them in the email that why my score has drop from XXXX to XXXX all the sudden without a reasonable explanation and their answer was none

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 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My servicer is Mohela. I registered my Federal student loan of approximately {$280000.00} under the SAVE plan prior to the first payment due in XX/XX/2023 of {$1000.00}. I enrolled in AutoDebit, entered my bank account information and saved it on Mohela 's portal, and received confirmation that the first AutoDebit would be taken on XX/XX/2023. But it was never taken, and I received no notice of this error until much later, when I was notified that a payment was late. 

I made a manual payment from my saved bank account, which cleared on XX/XX/2023. I called Mohela on XX/XX/2023 to inquire about this issue. By that time, interest of {$2000.00} was showing on my account. After nearly 2 hours on the phone, I was offered the following resolutions : ( 1 ) retroactive forbearance for XX/XX/2023 would be placed on my account, ( 2 ) my manual payment in XX/XX/2023 would be refunded, since it would be covered under the time period of the forbearance, ( 3 ) I would be sent a document to my email about my payment and loan history to account for the {$2000.00} interest which Mohela claims accumulated prior to XX/XX/2023, ( 4 ) my payment and auto-debit would be taken XX/XX/2023 as scheduled. 

None of these items have been done. I received confirmations of auto-debit from my bank account ( whose information is correct, as it was able to be used to make a manual payment ), and when I checked my account on XX/XX/2023 it even said the payment was processing. However, a delinquent notice was sent to me on XX/XX/2023, and there was no record of my XX/XX/2023 payment. Checking my account on XX/XX/2023, Mohela states that I have {$1000.00} due for next payment, {$2100.00} past due, for a total due of {$3200.00}. This does not make sense, especially as I made a manual payment that they have not refunded as promised. This entire issue has been a nightmare! 

The consequences of Mohela 's errors are multiple. I might lose credit for PSLF. I will have thousands of dollars in undeserved interest. And if my income is higher in the future, they will collect extra higher-income-based payments from me instead of counting the earlier ones. Larger payments than those required under the SAVE plan would not be applied to as much principal as interest. This is a complete scam, and their response time is unacceptable! There are families and lives on the line here!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: U.S. BANCORP
State: OH

Complaint narrative:
I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me USA bank XXXX XXXX XXXX XXXX XXXX XXXX those are all the banks I seen that was opened up in my name

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 2023-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX  Bank of America XXXX XXXX XXXX those are all the banks I seen that was opened up in my name

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 2023-11-30 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: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXXXXXX XXXX first common those are all the banks I seen that was opened up in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation