vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my fianc received his federal tax return & barely received his ID so he didnt have a bank account yet. I referred chase because I bank with them & thought it would be easier if we had the same bank. The following morning we went to 3 different chase banks locations around town because they all had XXXX availablity to make my fianc his own chase account until the following week but we needed funds ASAP so a chase branch representatives told me that I can try other banks & maybe theyll have sooner availability. After the 3rd chase bank we went to ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) we spoke to representative, XXXX, she lets us know theres also no appointments until the following week. We sigh in a respectable frustration & asked if theres other options because we need it as quick as possible. She said/ADVISED US & I quote if he has his ID & signs the back of the check he can endorse it you & the check will be delayed until XX/XX/XXXX but it usually clears before that. I would have never had him endorse the check to me if I knew it was going to be a hassle & take this long if I wasnt advised to do so. At no point in time did the representative tell me that third party checks are usually flagged & it would be better to have the check put into the an account with the check holders name. Now its been over 6 months and all I keep getting is he needs a number thats verifiable. When if I would have known this information I would have just waited & had him get his own account because hes under my phone plan. We got him XXXX lines with XXXX different companies with his name & still no luck which is more money were spending just to get our money. The address on the check written to him is the same address I use for my chase bank & he even has a secure chase account since XXXX with updated phone number, home address, & social security number so at this point it seems like chase is scamming me & that this is fraud. I would also like to seek interest because how cant you verify a government issued check with one of your own chase customers? Especially after a representative for chase advise me to do sign the check over with no warnings or heads up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my credit report there is an item from XXXX, that I paid it for deletion. Its still on my credit report after it was sold to a collection company where I paid in full. I have dispute this with the company and the all the bureaus. And they have no resolve the problem. Please look in to this issue thanks.

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 2024-01-20 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:
Dispute credit In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX 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 ccount 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 or convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CA

Complaint narrative:
Dispute credit In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX 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 ccount 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 or convictions of crimes which antedates the report by more than 7 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit 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 2024-01-20 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: IN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My report obtained on XXXX through XXXX shows account abuse reported by Bank of Americ on XXXX I did not engage in account abuse, the allegation is incorrect. I called XXXX to dispute and was informed their dispute process is determined by the financial institution and if Bank of America interprets account activity as abuse, even if it does so inaccurately, they will continue to leave it on my report. I spoke with many people at Bank of America in various departments such as fraud, recovery and the risc department and they all informed me that they will not accept disputes for information they report to 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 2024-01-20 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 short I bought a car from XXXX XXXX XXXX. They sold the contract to XXXX who illegally repossessed my vehicle. I would like it removed by both parties for breech of contract by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a checking acc with BMO HARRIS BANK under condition that there will be a monetary bonus issued for new act as long as certain criteria was met. I was also given an atm card with option to choose my own pin .after the atm car arrived I contact the bank gave them my pin. I was trying to use the card in the next 2 days it wouldn't work I called the bank and was told the pin was only good for 24 hrs [ how stupid is that ] and my card was blocked there is not a branch within XXXX miles from when I called them I was told my identity wasn't verified 3 times I was sending my documents state driver license, notarized letter I keep getting stonewalled .please help me resolve this issue

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I had filed a dispute in XX/XX/year> and my paycheck was still garnished although there was a dispute that was in progress through Midland Credit management. I had the item removed from my credit, and they still garnished me. I have made attempts to resolve this with Midland XXXX management with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CA

Complaint narrative:
Dispute credit In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX : ending in # XXXX {$540.00} 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 ccount 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 or convictions of crimes which antedates the report by more than 7 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 2024-01-20 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: FL

Complaint narrative:
There are accounts that's on my consumer report that doesn't belong to me.

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 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
What happened is this company I.C.SystemXXXX XXXX XXXX XXXX XXXX stating that I owed debt, {$4600.00}, on supposedly a loan that I requested in XXXX, which I never did or have knowledge of..It 's in collections This is Not my debt and asked for it to be resolved and removed off my credit report! I called the company and it's false representation of XXXX based off the phone number it's a different company name/number. I called and verified but it's not I.C.system or XXXX XXXX XXXX XXXX. SEEMS as a Company using other companies legit information and scamming people such as myself. I would like this to resolved ASAP. and removed from my credit report ASAP.

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 2024-01-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a joint account holder along with my mother, who at XXXX is suffering from early XXXX. As such, I handle all of her financial affairs. 
On XX/XX/XXXX, a remotely created check for {$1500.00} was cashed against our checking account without our knowledge or consent. I became aware of this when I went to the ATM on XX/XX/XXXX to make a withdrawal and noticed that the balance was not what it should have been. I called the bank and was told that they'd have to close the account. This we didn't want because there were retirement and XXXX deposits forthcoming. 
On Monday, XX/XX/XXXX, my mother and I went to the branch to report the breach and were required to file an " Affidavit of Forgery, Alteration, Counterfeit or Unauthorized Remotely Created Check ''. My mother signed the Affidavit, as the check was drafted with her name and address on it. The Branch manager notarized the form, and we were assigned a case number along with copies of the complaint. The bank put a debit block on the account. We heard nothing from the Bank after that. For the record, neither my mother nor I authorized this transaction, received any benefit or merchandise, tangible or digital, as a result of this transaction. 
I began calling the Bank general customer service number and was eventually given the number for their " IFA '', Internal Fraud Alert Dept, XXXX, and I called them on XX/XX/XXXX at XXXX. After providing our case number and other identifying information, I was told that they initially sent the complaint to XXXX XXXXXXXX XXXX but realized that that was the wrong bank and that they then forwarded it to XXXX XXXX and was waiting to hear from them. I was told to check back. 
On XX/XX/XXXX at XXXX I called the IFA Dept requesting an update only to be transferred to another department. The representative, " XXXX '' told me that our case was cancelled. When I protested stating that we had not received any type of communication pertaining to this action, neither via mail nor message in their banking app advising that there was an important document. The best that she could offer was to open a new case and told me that they would be mailing us forms to complete to email back to them. 
This is unacceptable. XXXX days/ XXXX business days have passed since our account was compromised, and not only have we not been made whole, but must start all over. Again, unacceptable and in total violation of numerous laws and our rights as banking customers.

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 2024-01-20 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: MI

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MI

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I no longer have the information. But I had received a loan from One Main Financial aroind XXXX or so and they added additional products so that I could acquire the loan. I ended up XXXX being able to pay it all off after leaving military for medical reasons and the extra fees from the beginning and it ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This debt was sold to a collector. USAA does not have the original documentation for this debt. XXXX supervisor XXXX made this statement to me on XX/XX/XXXX at XXXX " that the Creditor _USAA is refusing to update the date this account closed '' I sent XXXX a writtend dispute with documentation certified mail in XX/XX/XXXX showing this account was closed in XX/XX/XXXX and sold and To DATE they are refusing to update this debt as closed in XX/XX/XXXX. If this account no longer belongs to USAA because they sold this debt they have no legal right to report this a current debt that is owing and both USAA and XXXX have the legal obligation to correctly and accurately report the details of this account not use it to hold my credit hostage in hopes they might get something back by reaging this debt! This is ILLEGAL and inform both creditors that I am suing! I disputed this account 7 times beginning on XX/XX/XXXX to present! This is unfair and hostile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.

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 2024-01-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
Subject : Immediate Action Required : Unauthorized XXXX  XXXX XXXX Inquiry Dear TransUnion, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile. 

Upon meticulous review of my consumer report, I have identified an unauthorized inquiry from XXXX  XXXX XXXX, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ). 

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In this instance, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation.

I maintain that this item is unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), TransUnion expeditiously deletes this unauthorized and unverifiable item from my consumer report within the next 30 days.

Failure to do so will be construed as willful noncompliance on the part of TransUnion, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA.

Your prompt and unequivocal attention to this matter are non-negotiable. I expect a swift resolution, and I anticipate written confirmation once the unauthorized XXXX  XXXX XXXX inquiry has been expunged from my consumer report. 

Done in good faith.

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