vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: VA

Complaint narrative:
according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verifiy through the physical verification of the original signed consumer contract any and all accounts you post on a credit report otherwise anyone paying for your reporting services could fax mail in a fraudulent account i demand to see verifiable proof an original consumer contract with my signature on it you have on file on the account XXXX XXXX XXXX under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove account 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 2024-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase abruptly closed my savings account without disclosing why, and they are withholding {$1600.00} of my money for up to XXXX business days. -- - On XX/XX/XXXX ( around XXXX XXXX XXXX ), I opened a savings account on Chase.com. I then went to my local branch office and deposited {$1600.00} into the account ( through a teller at the branch office ). Later that day, I went on Chase.com, linked my checking account ( at another bank ) to my Chase savings account, and transferred {$1300.00} to my other account. At XXXXXXXX XXXX XXXX, I was notified by email that Chase canceled my transfer. Around XXXXXXXX XXXX XXXX, I attempted to log in to my Chase.com account and was informed that my account was restricted ( I could not log in ) and was instructed to call the Chase customer service line. 

I called the customer service line, was connected to a customer service representative, and was told that Chase had closed my account and that Chase was under no legal obligation to inform me why the account had been closed. I was told that my {$1600.00} would be held for up to XXXX business days until the closure was complete, at which time it would be mailed to the address on file as a cashier 's check. I called a second time ( immediately after the first call ) to have Chase unlock my account to access my Chase credit card ( which I have had for around XXXX  years ). I was told the same information ( Chase would not disclose why they closed my account and were withholding my {$1600.00} for up to XXXX business days ). In addition, I was told that my entire Chase online account ( including my credit card ) was restricted, and I would have to call back after my savings account was closed to unrestrict my account. 

I asked to speak to a supervisor and was told no supervisors were on staff then, but I could call back at XXXX XXXX XXXX the following morning to speak to a supervisor. I called back the following morning and was told by a supervisor that Chase was not legally obligated to inform me why my account was closed and that Chase would withhold my money for up to XXXX business days until the account was formally closed. I was told that I had no recourse and that the bank had made their decision. 

I called again on XX/XX/XXXX ( around XXXX XXXX  ) because I had not yet received my check and was told that the check had been sent through XXXX  and had been delivered on XX/XX/XXXX ( the check was dated XX/XX/XXXX ). I asked again for the reason for the account closure and was given no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint : I am filing this complaint regarding my Chase credit card due to unexplained excessive interest charges, even after I requested to close the account for new purchases and focus on paying down the existing balance. Despite an interest rate of 22.99 %, my monthly payments have been significantly higher than expected, with a substantial portion of each payment going to interest instead of reducing the principal. 

Details : 1. Account Cancellation Request : Approximately one year ago on XX/XX/XXXX ( I have all the statements ), I contacted Chase to request that my credit card account be closed for new purchases so that I could focus solely on paying down the balance. Since that time, I have consistently made payments, yet the charges I am seeing each month exceed the expected amount for an interest rate of 22.99 %. 
2. Excessive Charges : For example, this month, I was charged {$110.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX, totaling {$190.00}. Despite this high payment, only {$33.00} went toward the principal, which suggests that my effective interest rate far exceeds the agreed 22.99 %. 
XXXX. Lack of Explanation from Chase : I have reached out to Chase multiple times for clarification on why I am being charged more than expected. I specifically asked for a breakdown of charges to understand how my payments are being applied. However, Chase has not provided a satisfactory explanation or itemized statement to clarify these charges. 
4. Financial Impact : This ongoing issue has significantly impacted my ability to pay down the principal, as the majority of my payments are directed toward interest. I believe that this does not align with the agreed terms of the account and that Chase may be miscalculating interest charges or failing to properly apply my payments. 

Request : I am requesting that the CFPB investigate this matter and help me obtain : An itemized statement from Chase showing the calculation and application of all interest charges since I requested to close the account on XX/XX/XXXX. 
An explanation of any additional factors contributing to the high interest impact on my payments. 
A review to ensure that I am not being charged an interest rate higher than XXXX %. 

Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
My Discover credit card was used without my authorization and knowledge and XXXX dollars were charged without my permission. I don't know how someone obtain my information. This started on XXXX XXXX and extended to XX/XX/XXXX. I reported it to Discover on XX/XX/XXXX when I first learned about it. Additionally, in XX/XX/XXXX I received a letter from XXXX XXXX XXXX that there was a Data breach about a cybercriminal act and that my personal information could have been taken. Discover claimed that after investigating no fraud was committed and it had to be me who made these charges or loan my card to someone who did. They need me to proof it wasn't me at these locations making the purchases to dismiss the charges. This was a stupid request and has led me to believe that they never investigated and are using pure speculation rather than investigating to come to a fair decision. I would like Discover to do what's right and remove these charges from my account. I didn't commit fraud on my account and I hope you could help me resolve this problem. 

These are the unauthorized charges as shown on my statement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-10-29 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: CA

Complaint narrative:
I'm concerned about an unfamiliar inquiry appearing on my credit report. I didnt authorize or give permission for this company to access my information nor have applied to them, and Im trying to understand how and why it happened. This situation is causing me significant stress and 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 2024-10-28 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or nither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report.

I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my recent credit report, I identified multiple accounts that I believe were added without my permission and are incorrect. I request immediate removal and blocking of these fraudulent entries.

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 2024-10-28 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX 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 2024-10-28 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX 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 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
on XX/XX/year> I called Capital One Auto Finance to offer a settlement on a loan that is over XXXX years old. I spoke with an operator initially who asked what my offer was and I said {$1000.00} ( XXXX XXXX XXXX  ) she placed me on hold and came back on and said they would not accept that offer that they could accept {$1900.00}. I asked how they came to that number and she said that " the computer decides that. '' I asked to speak to a human that can assist and was told there was no one. I decided to call back and spoke with Operator XXXX who informed me that the " computer makes those decisions '' and I asked how and she stated " its a program. '' I asked if there was a human I could speak to and I was transferred to XXXX ( Operator XXXX ) who is a " Resolution Specialist, '' who offered me a higher settlement than was offered during the first phone call. When I informed him of this he then said he " can only accept what the computer says '' when I asked again to speak to a human who could assist, I was again placed on hold and was transferred to XXXX ( Operator XXXX  ) who is from the " Office of the President. '' XXXX told me that the " computer does make those decisions but yours went to Management for review and they offered the {$1900.00}. When I asked to speak to " Management '' I was told that they do not take telephone calls and there was nothing further that could be done. I am finding that this is hard to believe as I am attempting to solve an uncollectable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX  closed my account for fraud, which had nothing to do with me I explained twice in a claim that my phone was stolen and someone hacked all my accounts and my information was used In a bank check fraud scam, I have a memory XXXX which is documented where i cant remember things so i keep all my information and passwords in my noted and I have no lock on my phone, my financial aid was deposited into the account and they are not sending me what they owe me, im a XXXX XXXX XXXX  mom thats need my money and no one is helping me, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-28 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN
15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief