vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank provides a mechanism to request account closure via their XXXX XXXX online feature. 

Using this mechanism I requested and received account closures for joint checking account XXXX ( which XXXX had earlier restricted and made unusable on XX/XX/XXXX for no reason whatsoever ), as well as for my Savings account XXXX. 

Likewise, on XX/XX/XXXX at XXXX XXXX, I requested closure of my last remaining and no-longer-used checking account XXXX. I made clear to Chase Bank within my online request to close this unused account with a XXXX balance, that I was ceasing my business relationship with Chase Bank due to an egregiously unsatisfactory level of customer service. 

Chase Bank has categorically refused to close this account per my request on XX/XX/XXXX, as well as categorically refusing to close this account after my subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Chase Bank has oddly stated, after each of my individual request to close the account, that the account was pending closure- without actually closing the account. 

Upon information and belief, Chase Bank hopes to retain my banking business against my will by refusing to close this account, with hopes that I will use the account again at some point. 

I request assistance of the XXXX to coerce Chase Bank to close my checking account, Its worth mentioning that this is the XXXX complaint that I have had to make against Chase Bank in the month of XX/XX/XXXX. While each of these XXXX complaints have addressed different issues, they both address the common issue of adamant defiance by Chase Bank to provide the smallest amount of satisfactory service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A hard inquiry from XXXX  XXXX impacted my credit score on XX/XX/year>. The request came from XXXXXXXX XXXX, which is not where Im from at all. They used a very old address and a phone number that is not mine. The hard inquiry dropped my score XXXX points. The inquiry was removed temporarily, but has now returned. I have contacted TransUnion about the issue and they told me there was nothing I could do to get my points back or remove the inquiry from my report.

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 2024-06-28 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: WA

Complaint narrative:
I started a new complaint to clarify. It's OK to close my other open complaint. As things evolved, they became more clear. 

I was denied an affordable apartment due to inaccuracies in my credit report. My complaint is against Transunion. They have multiple errors still on the report, long after the 30 days. For example. my XXXX credit card was paid in full on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, it is still showing a balance. Also, the write-off amount is incorrect. It's a settled, paid-in-full account. Also, my XXXX account is still showing a balance after 30 days. I had to dispute other information from XXXX and XXXX that was also inaccurate and/or slow in updating the information. My score is up significantly after I " won '' these disputes. However, XXXX and XXXX are still reporting incorrectly, long after 30 days ( over XXXX months in XXXX 's case ). 

Transunion has been extremely slow in updating negative information. The other credit reports have been updated, yet Transunion is still showing balances and inaccuracies. These inaccuracies contributed to my affordable apartment being denied, which created irreparable harm.

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 2024-06-28 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I authorized XXXX to charge my XXXX XXXX {$2.00} to view job openings for 14 days XXXX. The online purchase order was reference number XXXX. 

Under no circumstance was this ever to be a reoccurring charge. Today, XXXX, someone charged or removed {$23.00} from my Bank of America XXXX XXXX. They typed XXXX. I'm doubting it's XXXX XXXX because I never received a receipt or prior notification about this upcoming {$23.00} transaction. So, I'm not sure about anything. All I know is that {$2.00} was authorized ONCE for 14 days XXXX. 

Please have Bank of America return {$23.00}. XXXX needs to secure their network. My resume was blocked by my XXXX and good job postings were block from my account. I never landed a job or heard from a potential employer. Nor did I authorize {$23.00} to ever be charged. 

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 monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: DE

Complaint narrative:
This company has not followed the federal law of sending me a CFPB noticing affording me my legal right to dispute or validate the claim prior to placing this on my credit report. I will file a lawsuit for deceptive practices if this is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding disputed charges assessed by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX and subsequently sent to National Credit Systems , Inc. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) for collection. Despite making the payment to avoid potential credit issues, I maintain that the charges are unjustified and unsupported by sufficient evidence. Additionally, the collection agent threatened to report the debt to credit bureaus while the dispute was still open. 

Here is a chronology of events : Initial Contact with XXXX XXXX : *Contacted via email and phone to dispute the charges immediately. Received no response. 

First Letter from Debt Collector : *Asked us to pay the charges or dispute *Disputed the charges immediately upon receiving the letter. ( sent by them on XX/XX/XXXX ) XX/XX/XXXX to XX/XX/XXXX : * No correspondence from them on the status of the dispute. 

Second Letter from Debt Collector : ( sent by them on XX/XX/XXXX ) *Received a threat to damage our credit if the charges were not paid. During a phone call, the collection agent initially did not acknowledge the dispute. After taking an hour to review, the agent claimed that not conducting a XXXX  inspection forfeited our right to dispute the charges. We were threatened with credit damage, forcing us to make the payment. 

*Formally requested proof via email on XX/XX/year>, and sent a letter via XXXX XXXX Despite payment, no proof of the damages ( such as photos ) was provided, even after multiple requests via email, mail, and phone. 

Despite payment, no proof of the damages ( such as photos ) was provided, even after multiple requests via email, mail, and phone. 

I have received an itemized list of charges but no justification for the damages claimed. Specifically, I requested Photographic Evidence : Clear photographs documenting the alleged damages that justify the charges. Furthermore, justification is needed on how this damage so not qualify as wear and tear. 

XXXX XXXXXXXX XXXX XXXX ( c ) and XXXX require landlords to provide a written, itemized list of damages and charges within 30 days of move-out. The tenant can request receipts if there is a dispute or issue regarding the cost and proof. This law does not state that a tenant 's rights are forfeited if a move-out inspection is not conducted. Our lease agreement does not specify that I waive my right to dispute the charges, contrary to what has been repeatedly stated by the collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MI

Complaint narrative:
Transunion is reporting an account as a collection account and the account never made it to collection because the account had been paid in full several months ago. I have a letter from the collection agency showing that the account balance is zero and requesting it to be removed from my credit report because it was an error of miscommunication on their end.

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 2024-06-28 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: IL

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

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

I demand the late payment reported in months that are reported late to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-06-28 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account 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 2024-06-28 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  account : XXXX is reporting on my XXXXand Transunion credit report ( see attached ) its not showing on XXXX so before it does I request it be blocked as well. I am DEMANDING you follow the law and delete, removed, and Block this accounts. Due to these reasons : 1. They are using deceptive tactics to try to collect by lying and saying they are the original creditor but yet is the collection agency which they are not ( see attached ). Furthermore I see its a medical company originally which is a violation of my hippaa rights as I did not give permission to share information.

They are also in clear violation of consumer law 15 U.S.C 1681

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Discovered money was being drawn out of my account to upgrade who I never contacted or opened a loan with this was XX/XX/XXXX loan was opened in XXXX sometime company is not cooperating with me they wont close account or send letters to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

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

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

I demand the late payment reported in months that are reported late to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: KY

Complaint narrative:
On XX/XX/2024 I applied online for a Discover credit card where I was discriminated against and denied my right to be extended credit. I notified XXXX XXXX the agent who I spoke with on behalf of Discover about retracting my application which is secured collateral if the extension of credit was not received ... he then misinformed me that EVERYONE does not have a right to credit and can be denied. I notified him that I gave valuable information ( social security card- creditcard ) but didnt receive the property in return. Below you can see where I was denied and where my credit report pinged an update due to them running my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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