vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase, As a XXXX family, we are disappointed by your recent actions. There have been numerous violations regarding XXXX credits and fraud that you have failed to address in a timely manner. It doesn't seem you claim that a second account linked to our home is associated with us. We will inform the attorney general and other authorities about your discrimination against XXXX credits and your unhelpful response. We have provided all the necessary information, including the police report and XXXX documents, but you have not helped us in any way. 

Your letter today isn't significant since you have handled our case poorly. We will file another complaint to the FTC and CFPB regarding your refusal to acknowledge and resolve the fraud. We have been victims of the Marriott data breach and the text message scam. Because of your claim to have acknowledged the cease, you still call us daily, which we have saved on our phone. You sent us a letter stating that this account was closed and opened several times. We have received fraud text links that were used to access already opened accounts and hack into them. 

Although there may have been some changes, I asked you to freeze this account many months ago before I was hospitalized, but you didn't. This account was left vulnerable and repeatedly accessed. It is now beyond the acceptable time to resolve the billing problems, and you are trying to start over, which is unacceptable. This account was linked to the other account associated with our household and was also accessed and managed with fraudulent activity. 

We would like you to close and resolve this account before the year 's end so everything can be done. We do not want to file complaints ; we want this issue fixed, but we will do so if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-01-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

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 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Nothing happen except they continued to take over {$300.00} from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2024-01-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank representing Paypal Credit ( XXXX ) XXXX repeatedly has called me and I have not picked up the phone because I don't recognize the number. The message they leave in my voicemail box is " Hello. Hello. I don't hear a valid response I need to disconnect the call... .. '' I have received weekly calls from Synchrony until I downloaded an app on my phone to silence such calls, and the weekly calls still continued.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: CO

Complaint narrative:
I have several unauthorized hard inquiries on my credit report that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.

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 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX via their chat service, I informed Midland Credit Management that I did not owe a debt and that I was not, nor was I associated with, the person they were looking for. This was after they continuously called me from AT LEAST 13 different numbers over the course of several months. I blocked all 13 numbers. In the XX/XX/XXXX chat, I also asked them to stop calling me, to remove me from their list and notified them that my number is registered on the National Do Not Call Registry. I can provide proof of the chat on XX/XX/XXXX, if needed. I also filed complaints with the FTC each time they called me from a different number starting from about call # 5. Beginning on XX/XX/XXXXXXXX they have called me 2 days in a row from 2 different numbers, which I have again blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Requested XXXX either refund or replace dryer on XX/XX/1923 due to noise I assume came from when dryer dropped during delivery. Navy FCU refusing to do credit. Navy FCU sent a generic email with no explanation as to why claim was denied after sending them evidence. They've also since discarded claim info from the website. As can see XXXX 's rep is clearly trying to play games and gaslight the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
A merchant called XXXX charged my credit card {$230.00} twice on XX/XX/ ( totaling {$460.00} ). I did not make the charges or receive any merchandise from the merchant. I disputed the claim. Barclays ( credit card company ) sent me XXXX  two letters stating that they investigated the dispute and determined the merchant provided documentation to prove the charge. I called Barclays, but the agent was not forthcoming about merchant information. The agent did not explain what the charges were for or where the products were mailed. The agent reopened the case, but Barclays has not communicated information. I don't understand why Barclays would not explain their findings. They could have provided the merchant 's contact information but didn't.

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Around XXXX the Chase app approved credit card even thou I never asked for credit card. and now my score is effected they told me to call the 3 credit bureaus to let them know about fraud and one of them said i need to report here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CBC Companies, Inc.
State: CO

Complaint narrative:
I have several unauthorized hard inquiries on my credit report that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 non-monetary relief
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
trans union is reporting XXXX XXXX XXXX XXXX XXXX on my account after being notified of identity theft and fraud these account and balance do not belong to me I have reached out on this numerous times now

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 2024-01-07 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Purchased back in XXXX XXXX expensive watch for my wife in XXXX store in XXXX XXXX. 
I was offered credit promotional credit card 24 month free interest. 
Opened account and since then keep receiving statements with interest charged. 
Called XXXX  numerous time. Even opened dispute case. 
Nothing happened. 
Still getting statements with interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 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: GA

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
To whom it XXXX  concern, I am writing to file a complaint against Current Bank for fraudulent transactions and poor customer service. I have been a loyal customer of this bank for many years, but I have recently experienced a serious problem that has caused me financial and emotional distress. 

In XXXX, I noticed several unauthorized transactions on my bank account that totaled over {$4000.00}. I was shocked and alarmed by this discovery, as I had trusted the bank to protect my money. I immediately contacted the bank to report the fraud and request a refund, but I was met with indifference and disrespect. 

The bank did not inform me of any suspicious activities on my account, as they are supposed to do. They also refused to provide me with their phone number, even though I explained that I have a XXXX XXXX and need to speak to a representative. They told me to resolve the issue online, which was very difficult and frustrating for me. 

The bank 's failure to address this issue has left me with the burden of dealing with the fraud on my own. I have lost a significant amount of money and suffered a lot of stress. I feel that the bank has violated my consumer rights and betrayed my trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX XXXX  high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
Heres what bothers me : in my previous complaint a few weeks ago. I complained that current bank debited my account for a withdrawal that was declined by current as being over the limit according to The XXXX  ( atm vendor ). Ive spoken to vendor, theyve supplied me with emails and transaction reports since my complaint Current open and closed a dispute investigation. They denied my appeal. They responded to my complaint with this agency ( although Im unable to see the complaint or response in my dashboard ; this was reported to customer service ). 

In my initial complaint I stated that Curreht had not contacted the ATM vendor. I figured that my complaint would prompt current to call. But vendor states no contact has been made. So back to my problem. How can current say they did an investigstion when they didnt contact the atm vendor who clearly would tell them the transaction was declined. Ive contacted current multiple times but they clearly have more important things to do. This is an outrage that I would have to put this much time in. Currents failure to investigate despite an active complaint with this agency is also shocking. Ive supplied documentation this time. What do you bet they still wont contact the vendor. 

I want transaction refunded XXXX plus fees. Plus all out if network atm fees for the last year refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Received an American Express gift card from work. It will not work at any locations I have tried. Its frustrating. Customer service is non responsive. Looking online, many people are having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax, has an inaccurate and incomplete XXXX account on my consumer report. The inaccurate reporting of the XXXX XXXX  account on my credit report has negatively impacted my financial well-being, the information reported is not reflective of my financial history. The misreporting violates the FCRA standards, and I demand the immediate removal of this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The vehicle was sold and they still continue to report it on my credit report when they already collected the full amount and are making a false representation of an alleged debt that does not exist. Also the amounts in the different credit agencies are different, some say they finance one amount and the other says another. that's fraud. 

15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M After having sold the property and paying off the alleged debt, they continue to report it on my credit reports as if it is a real debt, making a false representation. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$35.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$9200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$26000.00} Highest balance

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 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I don't agree with the negative payment status and history listed on this account, i currently live with my mom and have never had any bills in my name please mail me the proof of your investigation or delete the negative information!!! Please Jefferson Capital System XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation