vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX we received a suspicious text message claiming to be from Chase that our account ( s ) would be closed. Getting a weird message, just 3 days before XXXX was particular alarming to say the least. We immediately made phone call after phone call to try and see what this was in reference to. After over a week of trying to figure this out and speak to someone we are no closer than we were since we received this text message. I had zoom call with our Chase rep there next day and she was no help at all. All that was stated was that she had some great offerings for me and my company but could no longer move forward because our account ( s ) were being closed do to the financial institutions decisions. At first we were advised that our business checking account was closing, ..with no explanation at all. But now we have received a letter stating that all our credit cards, both personal and business are closing on XX/XX/XXXX. Why? We have been loyal members to Chase for over 15 years. We run ACHs out of our business account and use the Chase cards for all sorts of business expenses and the personal cards for personal expenses. We have never missed a payment and if we have ever been late, we have called and done our best to explain the circumstance. We have till XX/XX/XXXX to get all of our points out of the credit cards and now have to find another business checking account. And agin, no explanation has been given to us as to why we are in this position to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request a reinvestigation & permanent removal of the inaccurate accounts in accordance with the Fair credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me & how it was verified. immediately remove these inaccurate accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a 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 2024-12-03 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:
PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. 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/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 2024-12-03 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:
I am writing to formally report that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has been reported on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and deleted from my credit report. 
Unauthorized Account : 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 2024-12-03 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:
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-12-03 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: TN

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing a letter to file a complaint in accordance with 15 U.S.C. 1692c of the fair debt collection practices act ( FDCPA ), which governs communication between debt collectors and consumers. I believe that my rights have been violated by these creditors and or debt collectors and I'm seeking your assistance in addressing this matter specifically I have been contacted by collector 's, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  regarding this alleged debt. however, I am concerned that their communication violates the provisions of 1692c, which regulates when and how debt collectors can contact consumers the collectors contacted me at an inconvenient time, contacted me after being informed not to do so contacted me at work when i previously requested they not do so in accordance to 15 U.S.C 1692c a debt collector is prohibited from contacting a consumer at inconvenient times or places, and under 15 U.S.C 1692c I have informed the debt collectors that i do not wish to be contacted further. Despite this the collectors have continued to make contact, which I believe constitutes a violation of the law. I kindly request that the CFPB, investigate this matter and take appropriate action to ensure that my rights are protected while I sort out these matters concerning this alleged debt, Thank you for your attention to this issue. I look forward to your prompt response

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing a letter to file a complaint in accordance with 15 U.S.C. 1692c of the fair debt collection practices act ( FDCPA ), which governs communication between debt collectors and consumers. I believe that my rights have been violated by these creditors and or debt collectors and I'm seeking your assistance in addressing this matter specifically I have been contacted by collector 's, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX regarding this alleged debt. however, I am concerned that their communication violates the provisions of 1692c, which regulates when and how debt collectors can contact consumers the collectors contacted me at an inconvenient time, contacted me after being informed not to do so contacted me at work when i previously requested they not do so in accordance to 15 U.S.C 1692c a debt collector is prohibited from contacting a consumer at inconvenient times or places, and under 15 U.S.C 1692c I have informed the debt collectors that i do not wish to be contacted further. Despite this the collectors have continued to make contact, which I believe constitutes a violation of the law. I kindly request that the CFPB, investigate this matter and take appropriate action to ensure that my rights are protected while I sort out these matters concerning this alleged debt, Thank you for your attention to this issue. I look forward to your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-03 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: MN

Complaint narrative:
When the bank pulled our Tri-merge credit report, a number of accounts that was not ours along with a name came up ( 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 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  These issues only show up when a tri-merge credit report is pulled through Equifax Mortgage Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I received a title loan XXXX of XXXX to pay off a past due debt to an apt so i could move. I obtained the loan cause I am on fixed income due to needing a XXXX XXXX XXXX XXXX and actively waiting. i have received title loans in the past from others where my payment pays off the principle balance, and always paid on time as with this loan. However I borrowed XXXX, and I have paid close to XXXX back already. They did not inform me it did not pay off on the principle balance and i had to pay in full to get title back. This is robbery I have paid more than I should have, This should of been informed instead this is my transportation to my XXXX three times a week and now may not can continue paying as my last payment was XXXX and my XXXX check is XXXX my balance went from XXXX to now as of XXXXXXXX XXXX is XXXX. They make it impossible, how is this legal? Please help or respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
XXXX XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft To Whom It May Concern : I am writing to dispute several accounts on my credit report that were opened fraudulently due to identity theft. These accounts do not belong to me, and I request their removal under the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts are as follows : 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 XXXXXXXX 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 XXXXI have enclosed the following documents to support my claim : A copy of my FTC Identity Theft Report A copy of my police report A copy of my ID and proof of address Please investigate these accounts and remove them from my credit file immediately. I also request that a fraud alert be placed on my credit report to prevent future unauthorized activity. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft To Whom It May Concern : I am writing to dispute several accounts on my credit report that were opened fraudulently due to identity theft. These accounts do not belong to me, and I request their removal under the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts are as follows : 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 XXXXI have enclosed the following documents to support my claim : A copy of my FTC Identity Theft Report A copy of my police report A copy of my ID and proof of address Please investigate these accounts and remove them from my credit file immediately. I also request that a fraud alert be placed on my credit report to prevent future unauthorized activity. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
My roommate ( XXXX XXXX ) sent me ( XXXX XXXX ) a check through Zelle for {$890.00} on XX/XX/2024 which was taken out of her account but never put in my account. She banks through XXXXXXXX XXXX, and I bank through XXXX XXXX  XXXX. We have both been back and forth filing claims, and both banks have said they do not have the money. They have suggested that the issue must be with Zelle and its handling of the transaction. I had to pay all of the XXXX rent, so I covered her rent then. Now, it's been ten months, and she is missing the {$890.00} taken from her account and I am missing the {$890.00} that I fronted for her rent. We are both recent XXXX XXXX working in our first jobs, so this loss of money is extremely burdensome. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was notified by my credit monitoring company XXXX and XXXX that two bank accounts were opened using my SSN within days of each other at Bank of America and XXXXXXXX XXXX. I called both banks and was told that they were not able to find an account in their system using my SSN. I reported both to their fraud departments via email including a photo of the XXXX alert. I verified that both appear on my XXXX account, and the notification was genuine. All of our credit is and has been locked, and I placed a fraud alert as well.

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