vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I already know XXXX XXXX, XXXX of Chase Bank will have this complaint mishandled purposely, but this will serve as further proof : On XXXX XXXXXX/XX/XXXX I wired {$300.00} to XXXX XXXX from my business account at Chase Bank, which are two companies that I legally own, but were stolen from me after I was shot on XX/XX/XXXX due to the XXXX XXXXXXXX XXXX XXXX  of Chase Bank conspiring with others to have me killed during a coup d'etat to steal all of my funds, businesses, real estate, etc. XXXX XXXX personally told me that if I tried to re-purchase XXXX XXXX XXXX, which is real, back from XXXX XXXX that he would have the wire transfer cancelled, label my account as fraudulent, and block me from logging into my accounts, which he did. I spoke with Chase Bank over the phone, and even made a visit, however nothing was resolved and I ended up withdrawing all of my funds from the bank, knowing how XXXX XXXX, concealed my {$3.00} XXXX XXXX funds which is inside of a " cloud '' account at Chase Bank, owned by me ; he and others refuse to give my funds back and I have an active lawsuit open against Chase Bank which XXXX XXXX and others are actively trying to get thrown out : XXXX XXXX XXXX XXXX XXXX  ( et. al meaning more than one defendant ). This incident is one of the many retaliations against me due to the open case, and is passive aggressive behavior. XXXX XXXX should be fired for fraud, embezzlement, conspiracy, extortion, and much more. He also doesn't have the real headquarters for Chase Bank, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( which I own and paid for ) filed with the BBB to continue his shady practices without complaints. I want XXXX XXXX fired immediately, brought up on criminal charges, and I want all real estate, ownership, and my " cloud '' account audited. I want all of my bank accounts unblocked and for my stolen funds of {$3.00} XXXXXXXX XXXX attached to my bank account once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of multiple unauthorized accounts appearing on my credit report. Due to a recent data breach, I am a victim of identity theft, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed.

The following accounts are fraudulent and were not opened by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continue with the rest of the accounts, following the same format. ] Additionally, the following inquiries were made without my authorization. Please remove these as they were not initiated by me : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TN

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with a balances of $ {$2500.00} and {$1100.00} that appears related to be related to XXXX  XXXX and XXXX  XXXX XXXX XXXX. I do not recognize the aforementioned collections as reported. The aforementioned accounts and collections were not opened, made, or initiated by me. All of the aforementioned collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: AL

Complaint narrative:
I

n 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 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 2024-11-09 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: AL

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 non-monetary relief
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can not furnish an account or report information without my written consent or instruction.

Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX has also failed to disclose critical information in violation of the Fair Credit Reporting Act, particularly regarding my rights to privacy and the handling of my account information.

As a result of these violations, I request that this item be removed or updated accordingly to reflect the accurate and lawful status of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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 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 2024-11-09 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: GA

Complaint narrative:
XXXX did a 30-credit report update on my account as of XX/XX/year> and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more.

They are showing a XXXX  XXXX account ending in XXXX with a balance of {$110.00}. And they account was paid in full as of XX/XX/year>. The account has a credit of - {$6.00} from an overpayment

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 2024-11-09 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: GA

Complaint narrative:
Equifax did a XXXX report update on my account as of XX/XX/year> and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more.

They are showing a XXXX  XXXX account ending in XXXX with a balance of {$110.00}. And they account was paid in full as of XX/XX/year>. The account has a credit of - {$6.00} from an overpayment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union Attention : Customer Service po box XXXX XXXX, VA XXXX Subject : Formal Complaint Regarding Overdraft Fees and Class Action Settlement Dear Navy Federal Credit Union Customer Service Team , I am writing to formally express my concern regarding the excessive overdraft fees imposed on my account, which I believe to be part of a broader issue that has led to a class action settlement. Like many Navy Federal Credit Union members, I was dismayed to discover that these overdraft fees had accrued in situations where they appeared to be unjustified, particularly in light of the circumstances detailed in the recent class action lawsuit. 

I have consistently managed my account responsibly and feel that these fees do not reflect fair treatment, nor are they in line with the standards I expect from Navy Federal Credit Union. Based on information from recent settlement proceedings, I believe these fees have caused significant financial inconvenience and undue hardship, which I feel should be addressed both in terms of immediate remedy and in preventing future occurrences. 

Given these concerns, I kindly request the following : Refund or Credit for Past Overdraft Fees : As part of the resolution for this matter, I request a refund or credit for overdraft fees that I believe were unfairly charged to my account. Please provide me with a detailed history of these fees and any options for reimbursement. 

Clarification of Settlement Terms : I would appreciate further clarification on how the terms of the class action settlement apply to my account. Specifically, I would like to know whether I qualify for any relief under this settlement and how I can participate if I am eligible. 

Commitment to Fair Overdraft Practices : I urge Navy Federal Credit Union to review its overdraft policies and ensure they are aligned with transparent and ethical practices. This step would go a long way in restoring the trust of members who have been negatively impacted by these fees. 

Please provide a written response outlining the steps Navy Federal Credit Union will take to address my concerns and any relevant information regarding my eligibility in the ongoing settlement. I am hopeful that Navy Federal Credit Union will take this opportunity to rectify these issues and improve its commitment to fair and transparent banking practices. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I contacted GoodLeap regarding damage to my roof, which occurred during the installation of solar panels by XXXX, a company that has since gone out of business. GoodLeap, despite being the financier, refused to take responsibility for the damage. I reached out multiple times, but they insisted their only role was providing financing and declined to address the issue.

In addition to refusing to resolve the damage, GoodLeap makes it difficult for customers to update payment information on their website and in their records. I escalated the issue by contacting my state senator, but GoodLeap continued to deny responsibility, stating they are simply the financier and not accountable for the damages. 

On XX/XX/XXXX, I agreed to a payment plan with GoodLeap, with my first payment scheduled for XX/XX/XXXX. However, on that date, GoodLeap processed three payments instead of one and refused to return the overpayment. When I contacted them, a representative incorrectly claimed I made an error, even though one payment had already been credited to my account. Despite repeated attempts to resolve the overpayment, I was told no one could assist or issue a refund. GoodLeap continued to bombard me with text messages and emails, demanding multiple paymentsan aggressive and harassing tactic.

In addition to these issues, on XX/XX/XXXX, I set up a new payment arrangement with GoodLeap, providing my banking information for an ACH withdrawal to bring my account up to date by XX/XX/XXXX. They processed the payment as agreed, and the subsequent payments were set at {$110.00}. However, in XX/XX/XXXX, GoodLeap altered the agreement, sending me a bill for {$380.00}, contradicting the terms we had established. Despite my attempts to resolve this, GoodLeaps customer service continues to mishandle my account and refuses to adhere to the agreed terms.

GoodLeaps persistent harassment, including sending a representative to my home with threats of legal action, needs to stop. They have not taken responsibility for the damage to my roof, and their continued mishandling of my account is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a data breach. Consequently, several fraudulent accounts and unauthorized inquiries have appeared on my credit report. In accordance with my rights under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9300.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9200.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$13000.00} Unauthorized Credit Inquiry to Be Removed : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$13000.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account was initially charged off in XXXXXXXX XXXX Since that time, the account has repeatedly been reported as charged off each month, which constitutes an ongoing and inaccurate update to the payment history. An account that has been charged off should not show an active or updated payment history, as this misrepresents the accounts true status and may artificially extend the statute of limitations. 

Your failure to investigate and address these inaccuracies properly, after I have asked multiple times for you to investigate, shows your company 's neglect to investigate and re-investigate this account and is a violation of my rights. Additionally, I consider this a deceptive business practice and will be reporting this to the Federal Trade Commission ( FTC ). Per15 U.S. Code 1681i - Procedure in case of disputed accuracy, you have 15 days to remove this account. I am demanding the deletion of this account from my consumer report : 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 2024-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I was supposed to receive a lower payment and see they continue to make my payments at {$670.00}

Company response to consumer: Closed with explanation