vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$7400.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : 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 2023-11-03 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: MD

Complaint narrative:
My complaint are more so directed at XXXX for reporting information that does dot belong to me. I have recently sent my FTC Identity Theft Report along with Affidavit directly to credit bureau 's regarding my credit reports. I will upload information pertaining to my complaint prior to submission.

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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: CA

Complaint narrative:
I made a cashapp transaction dispute because there was a unauthorized cashout transaction and I made the dispute the same day the agent replied saying we provided you with a permanent provisional credit to my cashapp account XXXX  XXXX and when I clicked approve it said it was cancelled because of my protection and the claim was ended I couldnt reach her again to resend it to me the payment Im very disappointed and need the money resent to my account or added because the agent confimered it should be on my account and there was an issue adding it Im the parent of the account and this is very confusing and need this issue resolved and need my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
All my personal and business Amex accounts were suspended in XX/XX/2023. There were several disputed charges on two business cards ( XXXX and XXXX XXXX ) and I provided details about these charges as Amex requested. They kept my all accounts suspended. In all my correspondence with Amex regarding this issue, they never provided any explanation as to why all my accounts were suspended, particularly the personal cards. 

On XX/XX/2023, they closed all my accounts with no notice or reason provided. I am requesting an explanation for the account shutdown after 17 years as a customer. 

I also am requesting refunds for all unused credits on all my cards since XXXX including XXXX credits, hotel credits, wireless credits, XXXX credits and any other credits I was unable to use. I also would like my accounts reopened, particularly all my consumer accounts as none of them were affected by any of the disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: ME

Complaint narrative:
Around XXXX XXXX XXXXXXXX I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Gemini account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello on XX/XX/ I once again attempted to check my account online and yet again same issues. I have not been able to use the mobile app are the internet app for PNC bank since the account has been open now for 1 year I have call over and over again to just get excuses. I there a service that I should have access to why is it the bank can not figure it out I have been dealing with this a full year. The IT department has not reached out to me are attempted to correct the issue that is truly on their end. This need to be corrected and stop giving accuses. The PNC system says it does not recognize me ; I am only able to check my account through their phone voice banking. A consumer to not be able to check their account with the services that are offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$25.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 2023-11-04 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:
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. 

Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ================================== 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 of 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 2023-11-03 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: EQUIFAX, INC.
State: SC

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.

has violated my rights. Or list of inquiries 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 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of i nquiries 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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2023 I was admitted to the hospital with a tear in my XXXX. I attempted to chat & email chase at the time. I could not call from the hospital. I was there XXXX weeks. I then had to continue recovery at home. It was XXXX weeks and then I could return for light duty. I emailed chase bank at least XXXX times through the secure messaging center. I never did receive a reply. Meanwhile I was trying to stay afloat and pay my bill. All I needed was to skip XXXX month & have my fees removed then we had XXXX hurricanes back to back. Everything was shut down & again no work. Chase still charged us late fees through this time. Even when we did not have power in our home, we were charged late fees! Well today they finally told us theyll remove the fee for XXXX but they cant do anything else. All I am trying to do is catch up my account & keep it from going over 30 days late. I keep paying the payment that gets sucked up in late fees & interest. If theyd just remove all those fees my card would not even be over the limit at all. I technically only missed one payment but the fees have made it near impossible to catch up. I just need them to skip one payment & remove the fees. I will continue to pay my payment & work on my account as I always have. They just refuse to work with me. Im unsure why as until this, my account was always paid on time. I never asked for a thing until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 
I have not at any time GIVEN WRITTEN CONSENT to publish late payments, so therefore I can only assume that the credit reporting agency has allegedly stolen my identity. I have enclosed a filed affidavit with the FTC. I want these late payments removed, deleted, or changed to reflect paid as agreed on time, XXXX immediately or pay a {$1000.00} fine per violation. 
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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I initially applied for a credit card email offer, but did not receive a confirmation or response. I remembered my credit is frozen, so I unfroze it with all XXXX bureaus and tried the application again. That second application was then declined because it said I already had an application in process. Then the first application was also declined because it said I had another application in process. My application was declined without review or consideration due to the system already seeing the duplicate application and has been stuck in this loop. Ive called customer service several times and they say they have no way of fixing this or escalating the issue. I would like to have Application ID : XXXX properly reviewed and issue an actual evaluation of whether or not I should be eligible for the offer that was emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter finance has been one of few creditors who is reporting late payments and charge-off ( s ), multiple times on the account inaccurately and derogatorily since account was closed. Investigate the creditor 's recorded phone conversations with me and you will find out that I paid the last payment in full however much the payment was, in XXXX. They have went as far as reporting a new charge-off date ( s ) in XXXX due to the account reporting derogatorily inaccurate accounts for the length of time IT has. I can't have XXXX charge-off dates all reporting as accurate XXXX in XXXX and a new one in XXXX reported as accurate. Late payment history was also investigated and is proven in accurate via comparison between credit reports from the XXXX major credit bureaus. I've requested that the company investigate and provide further insight into my payment history and derogatorily inaccurate reported charge-off ( s ). They told me that it's the credit bureau 's responsibility to provide a thorough and accurate credit investigations to the customer and not the creditor 's fault if something is reported as verifiably accurate. The bureaus rely on creditor 's records for accuracy. This company can't even tell me anything about my reported past payment history or why the account is derogatorily compromised by charge off ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a loyal Chase customer for over XXXX years, but recent events have severely shaken my trust in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account. 

Immediately upon discovering the theft, I notified both XXXX and my local Chase bank office, initiating the process to secure my accounts and gather evidence. The local Chase office has been instrumental in submitting several rounds of evidence confirming that my phone was stolen and the transactions were unauthorized. 

Despite these efforts, the situation took a frustrating turn during a conversation with a Chase representative named XXXX. He indicated, before any substantive discussion, that the management team had already decided my fraud claim would not proceed. He based this on an alleged XXXX XXXX  authentication from an XXXX XXXX, a device I have never owned, at a time after my phone was stolen. 

I've also reached out to XXXX to obtain a detailed log of login activity, which should further prove the unauthorized access. Yet, Chase has shown a lack of willingness to consider this new information. To my dismay, the Chase representative was dismissive, insinuating that I was attempting to commit fraud, and refused to recalibrate his thinking or acknowledge the clear evidence of theft and unauthorized use of my account. 

Moreover, Chase has not taken steps to investigate the recipient bank accounts involved in the unauthorized transactions, even though this information has been provided to them. This refusal to investigate not only the circumstances but also the destinations of the fraudulent transactions is bewildering. It suggests a disinterest in pursuing a thorough and fair investigation. 

This experience has left me feeling betrayed and unfairly treated by a bank that I had trusted with my finances for nearly XXXX decades. The lack of due diligence and the premature conclusions drawn by the management team, as communicated by Chase, are unacceptable. It's clear to me that Chase 's handling of this situation falls far short of the standard of customer care and protection that any bank should uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About half a year ago Chase bank decided to close my checking account without providing any reason for doing so. However I still have business account with Chase. Half a year later I reopened personal account because Im sure its a mistake. 
Today I got mail that my personal account is being closed, as well as my business! credit card, without any explanation. My business checking account is not involved in this closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: NY

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. Or list of inquiries 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