vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, I participated in a XXXX  interview for a remote appointment setter position with what I believed to be a legitimate company, XXXX XXXX XXXX ( also operating as XXXX XXXX XXXX XXXX and previously known as XXXX XXXX XXXX ). After further investigation, I discovered that the company had previously gone by the name XXXXXXXX XXXX XXXXXXXX and has been reported for engaging in fraudulent hiring practices. During the interview, I was asked by representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX for remote access to my screen under the pretense of setting up work-related software. However, without my knowledge and consent, they used this access to open a {$6000.00} loan in my name and make unauthorized transactions through my XXXX XXXX. After the interview, I was required to electronically sign contracts under false pretenses, with the company claiming that I needed to complete training and work for them in order to be reimbursed for the money taken from my accounts. When I tried to opt out of this situation, I was threatened with legal action if I disputed the charges. They claimed to have recorded our XXXX  interview and had my signed contract as evidence against me. After conducting further research, I found that this company has a history of misleading individuals with fraudulent pay-to-work schemes. As a result, I was defrauded of {$6000.00}, which includes {$1000.00} withdrawn from my Chase Bank credit card account and {$5000.00} charged to my XXXX XXXX issued by XXXX XXXX XXXX. These transactions were processed through the XXXX XXXX  which is a social commerce platform and when I attempted to request a refund from the merchant, my account on XXXX was suspended. In response, I immediately filed disputes on XX/XX/XXXX and XXXX with the Chase Bank, and XXXX XXXX XXXX  for the unauthorized charges. In addition, I have already filed complaints with IC3 and the FTC regarding this matter. I am now submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek full refund. To support my case, I have attached emails, the signed contract, proof of transactions made to the XXXX XXXX. Please let me know if any additional information is needed. Thank you for reviewing my case and I really hope we can find a solution to this soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX XXXX XXXX XXXX XXXX XXXX XXXX thay no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Ally Financial balance {$29000.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX XXXX XXXX XXXX XXXX XXXX XXXX thay no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Ally Financial balance {$29000.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Modoc Tribe Financial Services Authority
State: CA

Complaint narrative:
Multiple harassing phone calls to my work place after telling them to stop calling me at work. 

Will not stop the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am requesting that Bank of America either reissue the checks or issue substitute checks for returned cashiers checks No. XXXX {$760.00} and XXXX {$760.00}. 

Bank of America refuses to reissue XXXX cashiers checks returned to my bank as outdated. I have been trying for over a year to have the returned checks replaced without result. They say their policy is to return the original checks to the issuer who can deposit them to his account, wait for them to clear, and have them reissued. I had previously taken legal action on the mortgage I held on his home. He refinanced to avoid foreclosure.. When I asked Bank of America what happens if he deposited the funds to his account but kept the money. They told me I could get a lawyer. I wrote Bank of Americas corporate office for help, no response I filed a complaint with the Office of the Comptroller. A representative responded with a duplicitous answer and no result. I mailed the original checks to the issuer, XXXX XXXX with no response. He no longer owns that house according to county records. 

According to my research, Section 3-312 of the Uniform Commercial Code requires replacement of checks with a Declaration of Loss. I sent a notarized Declaration of Loss to Bank of America and received the attached form letter Were unable to provide the requested service for this type of account. with no details except a case number. 

I called Bank of America to verify that the letter referred to my request of XX/XX/XXXX with the Declaration of Loss. I was told it was the response to my request to notify me that the case is closed.and they will not replace the uncashed checks. 

Bank of America still has those funds in their possession. I understand if they have a policy that is allowing them to keep the funds, but they should be required to honor the checks when their policy is contrary to the law and all other avenues have been exhausted. 

I appreciate your help. Attached is most of my information. Please let me know if you have any questions.

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 2025-02-21 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: 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.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX {$100.00} Payment made for payment due XX/XX/XXXX XX/XX/XXXX {$100.00} Payment made for payment due XX/XX/XXXX XX/XX/XXXX {$4.00} Interest charged ( This card is for medical costs and no interest charged so long as the bill is paid within 1 year ) XX/XX/XXXX {$30.00} late fee charged ( representative said that I made the XXXX payment before the statement date of XX/XX/XXXX. Even though this payment was made AFTER the XXXX payment due date of XX/XX/XXXX. They agreed to waive the {$30.00} late payment charge but would not waive the {$4.00} interest charge ) I paid the balance of the card minus the {$30.00} late fee and {$4.00} interest charge and I closed this credit card account on XX/XX/XXXX because I feel that they are guilty of unfair practices. I switched to paperless billing in XXXX of XXXX to avoid the newly imposed {$1.00} a month paper bill fee and that is when the problems started. I never received an invoice by email for XXXX of any months after that. I had to always remember to login and pay the bill each month. They are claiming to have sent me an email, but the only thing I would receive was a notification by TEXT that I had missed a payment. 
I feel that Care Credit is misleading saying that they won't charge interest but instead charge for paper bills and then don't send statements so that the consumer ends up paying late fees and interest charges.

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 2025-02-21 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: NM

Complaint narrative:
I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
My credit card Company - Continental Finance/XXXX mailed a renewed card to my address which I never received. Fraudulent purchases were made on this card. When I called this to the attention of the credit card company they granted me a provisional credit while they investigated the dispute. The determined the charges to be valid. I appealed that decision and, again, they ultimately determined that the charges were valid again. 
There was a total of XXXX transactions. All were made on XX/XX/XXXX. The amounts were {$12.00}, {$74.00}, and a cash advance of {$200.00}. I just discovered that a new fraudulent charge was made on XX/XX/XXXX for {$10.00} after I asked that the card be canceled.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-21 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: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2025-02-21 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: 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.

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 2025-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Opened the 360 savings account back in XXXX XXXX, with the higher apy but my actually account was with the interest rate at 0.03 % not the performance account. Had me thinking my account was accumulating monthly interest. But it was not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX XXXX XXXX XXXX BANK - XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
My Complaint is to formally notify these credit reporting agencies of its failure to comply with federal laws governing credit reporting practices, specifically under 15 U.S.C. 1681c-2, 15 U.S.C. 1681b-2, 15 U.S.C. 1681q, and 18 U.S.C. 1028A. These statutes clearly outline the obligations of credit reporting agencies in ensuring accurate and lawful reporting of consumer credit information, as well as identity theft protections.

No matter what I do to have you correct these mistakes you refuse.

And So Pursuant to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b-2, credit reporting agencies are required to take appropriate steps to verify and notify consumers when new information is reported to their credit file. To date, I have not received any notification or direct verification call from Lexis Nexis regarding any entity that has reported to my credit file. This failure to notify me constitutes a direct violation of these statutes and compromises the integrity of my consumer credit report.

Additionally, under 15 U.S.C. 1681q, any person or entity that knowingly and willfully obtains or discloses consumer report information under false pretenses is in violation of federal law. LexisNexis failure to ensure that entities reporting information to my credit file are doing so lawfully places you in direct violation of this statute. Furthermore, under 18 U.S.C. 1028A, the unauthorized use or mishandling of identity information is a federal crime, and by failing to verify identity-related entries on my credit report, LexisNexis may be complicit in allowing identity theft to occur.

Moreover, there exists a provision under federal law for willful noncompliance, which holds entities accountable for knowingly failing to adhere to legal standards. This may expose LexisNexis to legal liability, including statutory damages, punitive damages, and other legal remedies.

Given the above violations, I formally demand the following : 1. Immediate investigation and removal of any unauthorized or improperly verified entries on my credit report.

2. Written confirmation of all entities that have reported to my credit file and proof of the verification measures taken.

3. Implementation of proper consumer notification practices in compliance with federal law.

4. A written statement confirming that LexisNexis will adhere to all applicable laws moving forward.

5. For each Account on my report, I request settlement of {$25000.00} for your egregious and fraudulent practices. For me requesting an investigation and removal on all these accounts and you refusing, knowing you had no lawful right. there also needs to be a {$2000.00} settlement for each inquiry that i never authorized ever .... 

If these demands are not met promptly, I will escalate this matter to the Federal Trade Commission ( FTC ), and pursue legal action to enforce my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have being with financial hardship. 
I have been in a Debt consolidation program for almost a year. 
I just want the interest rate to drop or drop to zero. 
They close the account and after I spoke with them, they did not help to lower the interest rare or drop to zero.

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