vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent check that was issued to me in XXXX. The check number is XXXX, and the amount is {$95.00}. This check was issued as a refund for the annual fee on my Chase credit card ( Account ending in XXXX ). However, despite not cashing the check myself, it appears that someone fraudulently cashed it. I have attached an image of the check for your reference. 

I previously submitted a complaint to Chase regarding this matter but have yet to receive any response or resolution. I am requesting that Chase reissue a replacement check for the amount of {$95.00} and investigate the fraudulent activity surrounding the original check. 

Given the lack of response from Chase, I am seeking the assistance of the Consumer Financial Protection Bureau to resolve this matter promptly. This is a serious issue involving my financial security, and I trust your team will help facilitate a resolution. 

Thank you for your attention to this issue. I look forward to your assistance in bringing this to a fair conclusion. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-13 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: OH

Complaint narrative:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information it the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM Experian

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 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: PA

Complaint narrative:
I had a called with Pendrick Capital Partners on XXXX to see how many said supposed accounts they have on me. They told me I had one with a company named XXXX XXXX XXXX they told me they were working so I was transferred over. I then spoke with XXXX. He told me I one bill with XXXX for a total of XXXXXXXX XXXX on a past bill on XX/XX/year> I have the actual documentation with XXXX. There is no single outstanding bill of XXXXXXXX XXXX  what ended up happening was the two bills got combined onto a single amount by the collection agency. They did not provide a correct detailed breakdown of said bill as well. In conclusion Pendrick Capital Partners has again violated my rights with the FDCPA By not correctly, verifying the bill when the bill is clearly shown as two different separate charges with XXXX and they also had another agency handling this and they didnt verify it as well. This is Misleading representation. This is very concerning, and a mishandling of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XX/XX/ Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
A loan was taken out with Affirm, to purchase an item on XXXX. The sale of the item, was cancelled by XXXX, as the seller could not fulfill the order. XXXX sent an email stating, the sale had been cancelled and the full amount of the item was refunded back to Affirm. I opened a disputed with Affirm, because they were showing the loan was still active, even though, the item was cancelled by XXXX, and full amount refunded. I have reached out to Affirm, every other day since XX/XX/XXXX, in regards to this matter, and they are refusing to do anything about it. I provided Affirm with XXXX different documents, proving and verifying the sale was cancelled and full amount refunded. They are refusing to resolve this issue. They also stated, if the dispute is not resolved in 30 days, any payments with be sent to collections, but I can not make any payments, because the loan is frozen due to the dispute. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am frustrated with TransUnions poor customer service, specifically in managing my credit freeze. Every time I log in, I encounter an error message that says, " Sorry, we're having trouble showing the status of your credit freeze right now. '' The online chat is unavailable due to high volumes, and when I call, I am put on endless hold after dealing with an unhelpful automated system. In contrast, XXXX and XXXX make it easy to freeze and unfreeze credit on their websites. I find TransUnions approach unacceptable for 2024 and expect better service.

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 2024-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have been investing in Health Savings Accounts since they became law in XXXX. I have built up over 20 years of low cost dividend investments to fund my healthcare needs. Now, HSA bank a division of Webster Bank is forcing us to liquidate our accounts to transfer our investments to them and will not allow us to maintain our current HSA Brokerage accounts. They are doing this to charge us more fees for assets under management that aren't being charged by current HSA brokerages. To force this change and liquidation of our savings is unconscionable since the money in HSAs is supposed to be ours to invest. We should have the choice where to invest as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-09-13 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
When i became a victim of the data breach, my personal information, such as Social Security number, credit card details, and other sensitive data, has been exposed. This lead to identity theft, where criminals use the stolen information to open fraudulent accounts, apply for loans, or make unauthorized purchases. For me i already have poor credit, this situation has worsen in the following ways : 1. Increased Debt : Fraudulent activity has resulted in unauthorized charges or new loans being taken out in my name. This lead to mounting debt that the i did not incur but is held responsible for until the issue is resolved.

2. Lowered Credit Score : Credit scores are negatively affected when there are late payments or high balances on accounts. The fraudulent debts from data breach has further decrease my low credit score, making it harder to secure loans or credit in the future.

3. Difficulty Disputing Fraudulent Activity : me being a victim of identity theft have found it challenging to dispute fraudulent charges or accounts, especially if they are already in financial trouble. The process can be lengthy, involving contacting credit bureaus, creditors, and law enforcement.

4. Higher Interest Rates : With a damaged credit score, I face higher interest rates on existing debt or future loans. Lenders consider them high-risk, making borrowing more expensive.

5. Legal or Financial Responsibility : In some cases, I might need to hire legal or financial experts to clear up my credit reports and handle the repercussions of the data breach. This can lead me to further financial strain.

6. Emotional and Psychological Stress : The financial stress caused by increasing debt and negative credit impacts has lead me to XXXX, XXXX, and other emotional challenges. Im currently XXXX XXXX for this. 

Overall, me being a victim of the data breach i already have poor credit or debt may find my financial situation worsened significantly, requiring immediate action to mitigate the damage. and remove all negaive items and debt collction off all three credit bureaus immediately by law FCRA 605 ( b ) ( 15 u.s.c. 1681c-2 )

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 2024-09-13 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Netspend Corporation
State: IA

Complaint narrative:
Fraudulent transactions happened on XX/XX/XXXX with a transaction of {$6.00} from XXXX XXXX XXXX XXXX at XXXX another transaction of {$6.00} from XXXX XXXX XXXX XXXX XXXX during that time I went online and it said that there was an issue on my account call Customer Service so I did and the Automated phone system said press 1 to accept the transaction so we can unblock the card or press 2 to decline the transaction so I pressed 2 and it said to go back online to look up the transaction. So on XX/XX/XXXX a purchase of {$5.00} from XXXX was made at XXXX then at XXXX on XX/XX/XXXX {$5.00} was refunded from XXXX XXXX XXXX XXXX , then on XX/XX/XXXX a purchase of {$5.00} from Facebook.com was made at XXXX then at XXXX on XXXX/XXXX/XXXX {$5.00} was refunded from XXXX XXXX XXXX XXXX , then on XX/XX/XXXX Netspend took out their monthly fee of {$5.00} at XXXX. During this I was trying to get online and couldn't and also contacting customer service didn't help either.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened a bank account with Pentagon Federal Credit Union ( PenFed ) using my valid Social Security number. In XX/XX/XXXX, I received a phone call from a PenFed employee, XXXX XXXX, who falsely accused me of using a fake Social Security number and having a past conviction for fraud. Based on these false allegations, PenFed closed my account without investigation, causing significant financial and reputational harm. 

PenFeds actions violated the Equal Credit Opportunity Act ( ECOA ) and Florida 's defamation laws. These false statements harmed my reputation and caused emotional distress, financial losses ( late fees totaling {$500.00} and lost wages of {$1200.00} ), and irreparable damage to my creditworthiness. 



Key Violations : Defamation : False accusations of fraud and misuse of a Social Security number. 
ECOA Violation : Discrimination in a credit transaction based on unverified false information. 
Unfair Practices : Closing my account based on false claims, causing financial loss and emotional distress.

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 2024-09-13 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally complain about and dispute the accounts that LVNV Funding LLC has reported to my consumer report. These accounts are the result of identity theft and should be immediately removed from my credit report. 
I have recently discovered that I am a victim of identity theft. The accounts you are reporting under my name were fraudulently opened by someone else using my personal information without my knowledge or consent. 
To support my claim, I am enclosing the following documents : An Identity Theft Affidavit A copy of the police report filed regarding this identity theft I am aware of my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to exercise them if this matter is not resolved promptly and satisfactorily.

Company response to consumer: Closed with explanation