vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase sent promotional checks of 0.00 % interest for 1 year and I used one in XX/XX/ for {$1100.00}. I also have on this Chase credit card 'My Chase Plan ' balances that I set up months ago that if I pay a portion each month I avoid interest charges ( but I do pay a monthly fee that was less ). I recently received my bill and to avoid interest I must pay the promotional check balance of {$1100.00} in 30 days because I have an active My Chase Plan. I reviewed the paperwork of the offer with Chase customer service that states " Prior to taking advantage of this offer, if you did not have a balance or if you paid your balance in full each month, you did not pay interest on your new purchases. This is referred to as an interest-fee period ( also called a grace period ). If you take this offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ) you will lose that interest-free period. This means that you will begin paying interest on all new purchases even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' The agent at Chase stated that since I had an ongoing 'My Chase Plan ' active on my balance I was ineligible for this promotional offer because I do not pay my balance in full each month ( disregarding the My Chase Plan ). I disagree because I do pay my balance each month according to the My Chase Plan, and no where does it state that if you have an active My Chase Plan that the promotional checks do not apply. The language in their offer does not specifically state this and it is misleading. It should state that if you have an active My Chase Plan than this offer would not apply. The Chase agent noted my disagreement but did nothing to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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 identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-16 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
OnXXXX XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app acct is $ XXXX  I sent {$20.00} pre-delivery service for a sofa. 

Total and balance would be paid in full once sofa was delivered. ( {$60.00} ) I cashed app XXXX XXXX $ XXXX {$20.00} right after she cut me from group chat and all communications with me. 

I immediatly reported the her account as Scam in a cash app and requested a refunsed which she rejected. 

I followed cash app step by step instructions for my refund and nothing. 

I decided to call Cash App Saturday but customer service line is only open M-F. 
Monday I personally taled to a cash app rep and they said they can not refund my money!!! this unaccetable. 

I know I am not the only victim here, we work hard for our money to give out to a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I made multiple payments in XXXX for my XXXX XXXX for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: PA

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX we made a payment to CMA Financial using our bank account information over the phone. We do not know if an error is made on CMA, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
The credit report information on my files 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 2023-10-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email at XXXX in the morning on XXXX, XX/XX/XXXX indicating that someone had attempted to pull out {$300.00}. From the very moment the money hit my account. When I asked them to provide me information on how that was even possible, they had nothing for me. They just shrugged their shoulders and said this is happening to a lot of people. Right now. I have multiple bank accounts across multiple banks in my entire XXXX  years of existence. Never one time has this happened until today which tells me it is exclusively a problem with their prepaid cards. They don't care about these cards because they're for people on unemployment or XXXX and therefore not important to them because they're not making a ton of money off of these accounts. Does anyone else see the problem there in that? Apparently my biggest crime is being poor. They told me verbatim. You can request the recordings of the phone calls that it is not their job to monitor our accounts XXXX hours a day. So I post you this question. What is their job then? What is the purpose of a bank if not to have a place to keep your money safe.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I submitted a dispute to the credit card Company Chase, and they told me the amount charged would be removed from my account in 14days. I called back to check in on the dispute, and they stated an internal error caued the dispute not to be resolved, and it would take another 14 days to process. Then they still didnt remove the fees from my account. This is Fruad!!! 14 days is 14 days! They need to immediately remove the charge and credit my account. If my credit is affected by this, and I fail to get a home because of this, I will sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated calls and reneging of previous deals reached, speaking of threatening my life with the credit mark until XXXX, abusive and profane language and insinuations about me. I want to pay off the debt for the lowest amount, we agreed on XXXX or so and now it is XXXX or so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX ( Experian ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
I tried to open a account there they won't take the restricted off from it and remove it there I called and won't even give me the fraud dept

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