vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Respected Sir/Madam, I am writing to file a formal complaint regarding an erroneous wire transfer of the amount of {$6000.00} facilitated by Chase Bank on XXXX XXXX XXXX. I, XXXX XXXX XXXX, a resident of XXXX, initiated a wire transfer from XXXX to my daughter 's XXXX checking account in the US, intending to deposit funds for her education. However, due to a single-digit error in the account number, the transfer was misdirected. 

Specifically, on XXXX XXXX XXXX, I provided all required information accurately, including the legal name and routing number. However, I inadvertently entered the incorrect account number. The correct account number should have ended with " XXXX, '' but I mistakenly entered " XXXX. '' As a result, the funds were deposited into the wrong account. 

Despite numerous attempts to rectify the situation and retrieve the funds, I have encountered significant obstacles in communicating with Chase Bank. The bank has failed to provide adequate assistance in resolving this matter, leaving me no choice but to pursue legal action. 

Furthermore, I have sought advice from the Bank Manager in XXXX, where the transfer originated, who has recommended legal recourse in the United States against both Chase Bank and the individual who received the funds in error. 

Due to the significant time zone difference between XXXX and the United States, it is challenging for me to communicate in US business hours. Therefore, I hereby authorize my son-in-law, XXXX XXXX, whose contact information is provided below, to act on my behalf in all matters related to this dispute. He possesses comprehensive knowledge of the incident and is fully capable of providing any necessary information. 

I urge Chase Bank to promptly address this matter and take appropriate action to recover the misdirected funds. These funds were intended for my daughter 's education, and any assistance in resolving this issue would be greatly appreciated. 

Please acknowledge receipt of this complaint at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX Authorized Representative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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:
An account was opened in my name without my permission at the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone number XXXX. I live in XXXX, PA. The opening date was XX/XX/XXXX. It resulted in a hard inquiry/credit check on my account. The account was finally closed and they reported it as a fraudulent event on XX/XX/XXXX and said they would contact Transunion directly to have it removed from my report. No action was taken, and since that date of XX/XX/XXXX I have called the above number 8 times and left my contact number for someone to call back and no one has reached out. There is never a manager or another option present. They are a horrible company, I just want this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have received emails and phone calls regarding unauthorized accounts. XXXX contacted me for a payment on an account I have never opened. I processed a claim with them, and they investigated and saw that my identity has been used. I check my credit report after that and noticed some inquires that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Transunion 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it 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
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've filed a complaint on the on going inquires that's on my Experian report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from Experian yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: First Credit Services Inc.
State: MD

Complaint narrative:
IMPROPER USE OR CREDIT INQUIRIES UnAUTHORIZED INQUIRES IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I requested for a Hard Inquiry to be removed from my Credit Report as I have no knowledge of this, and it was not my doing. The Hard Inquiry in question is the listed XXXX XXXX, requested on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
Months ago i was made aware that someone opened a credit card with discover in my name. i have never opened an account or gotten a physical card. there are charges in XXXX. i have never been to XXXX. money has also been sent through XXXX to other countries. i have called and called and called discover trying to get it resolved and they wont recognize it as ID theft. they are still sending me bills saying I owe them money and its ruining my credit score. Its even affecting my XXXX  and XXXX XXXX tremendously from dealing with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXX ( XXXX mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX they did not provide me with the original contract as i requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXX Opened Account status Original creditor name XX/XX/XXXX ( 4 mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
This report is because I already tried to resolve this issue directly with the card issuer. However, they insist that I must pay for the charge reported as fraud. I want to report again that this charge was not authorized by me. I do not have another authorized user on the account and I have never given my card or information to anyone so I am completely unaware of this charge. I asked Aspire to do a thorough and appropriate investigation into this case but they did not do so as they never provided me with the information used in the investigation. I contacted the merchant and they told me that the card issuer should work with them to reach a result. I reported the charge after contacting the XXXX merchant and that is why I did not report the charge immediately to the bank. I tried to resolve it with the merchant first and told the Aspire agent who helped me. 
Also, I'd like to report that I do not have a credit card since a few months ago because Aspire haven't sent a replacement card yet. This actions shows their lack of ethics and professionalism. Aspire doesn't care about customer satisfaction at all. It seems very unfair to me that I pay XXXX dollars every month plus an annual fee for the use of this card when I am not using it because I have been without the card for months. 

Transaction details : XX/XX/year>XXXX XXXX  {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: OH

Complaint narrative:
I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law.

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe.

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've filed a complaint on the on going inquires that's on my XXXX report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from XXXX yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I've filed a complaint on the on going inquires that's on my XXXX report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from XXXX yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My loan is held by Mohela. Unfortunately, filing complaints is the only way I can get any information from them. I recently sent a message via the website. It took over 1 month for them to reply. I am now waiting on hold for 30 minutes, and when someone picked up, she had to transfer me to someone else. I'm on hold again! I have never been able to get through to anyone at Mohela. 

I have questions about my loans. I think they miscalculated my progress toward PSLF loan repayment, but I can not get through to anyone to talk about this. I think I am at 117 qualifying payments according to counting the payment tracker on the Mohela website. However, their website has me at 101 qualifying payments. We need to talk about this. 

Getting messages 1 month after I send a question is unacceptable. No one in their right mind would ever accept working with a company who routinely demonstrates such bad customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CL Holdings LLC
State: LA

Complaint narrative:
Involved in a car accident a few years back and my personal property like my purse wallet phone driver 's license social security everything was left in my wrecked car and an impound yard and someone decided to live their best life as me while I was in XXXX  so for a period of 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
In XXXX XXXX XXXX  my Hyundai XXXX was totaled. XXXX and GAP coverage paid the balance on my financed vehicle less XXXX. I was made aware of this in XX/XX/. In XXXX a Hyundai representative called me and asked if I wanted to enter a payment agreement. 
I made a 6 month payment arrangement for {$250.00} a month But They Charged it off XXXX XXXX. My score was dropped tremendously. I called Hyundai and asked why did they charge off my account after I made a payment agreement? They said they didnt see what I was referring to and apologized for confusion. 2 years later its with a collection agency for the {$1200.00} I owed plus collection fee of approximately {$12.00} bringing the balance to XXXX. 
I settled for {$800.00} payoff on XX/XX/XXXX and XXXX collection agency sent the debt settlement letter to Hyundai.

In error Hyundai reported another delinquent payment for the balance of {$460.00} They claim they got the letter on the XXXX and updated the file incorrectly on the XXXX XXXX XXXXXXXX Causing my score to drop again. 

They also have been reporting late payments every month for a year to an account they charged off in XXXX. 

I have been calling for two years with no results and my score continues to suffer due to their negligence. 

I have documentation to support my claims if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XXXX, XXXX, being locked out of fairly new account, I was forced to make phone payment. Requested that total including fees be paid at time & was told it was and no additional fee would show, since process done by Customer Service agent. It did not and {$2.00} dollar fee grew into {$28.00}, bill did not go to correct address, and I was called to pay over 30 days later. Did so, went thru same assurances ( no additional fees ), & this happened 3 more times since despite numerous calls to Capital One/Michaels to remove /correct credit report, as recent as early XX/XX/XXXX. Emailed, phoned and written requests have still not removed this error being no fault of my own. This time, in early XXXX, they corrected the overcharged late fees ( {$28.00} ) on their own but has refused to even acknowledge or fix the damaged credit report. 
I request help addressing this and immediate resolution, since this has resulted in irreparable false credit denials, and was not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: IL

Complaint narrative:
getting emails. NOw a card in mail, with an account number. I did not sign up for this.

Company response to consumer: Closed with explanation