vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft and an bank account was opened in my name fraudulently at bank of west which is now bmo

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 2024-08-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I had received an email that my checking account was overdrawn. I check my account with JP Morgan Chase XXXX {$400.00} ( XXXX {$200.00} transactions ) was taken out of my account & spent on XXXX. I have never shopped with XXXX ever in my life. I was a victim of a scam. That morning I called Chase customer support & was able to receive my money back. However on XX/XX/XXXX, I had received the same email. The same XXXX {$200.00} transaction from XXXX was taken out of my account. I contacted Chase customer service & they told me that it looked like the transaction was done through XXXX XXXX, therefore thats why they took the money. They suggested I call Chase Claims. I did just that & they referred me to the Debit Card Fraud department & suggested I get a document from XXXX XXXX stating the transaction wasnt from me. I called the Debit card fraud department & they told me there was nothing they can do & gave me the number to Chase fraud, essentially having me run around in circles. I called XXXX Customer service although they confirmed I made no such transactions, they told me they were unable to send a document/letter stating I did not make those transactions. The next day I contacted Chase Customer service & they advice that I go on my XXXX XXXX history, screenshot purchases, then go on my Chase app & upload documents regarding my claim. Thats exactly what I did. I uploaded screenshots of my XXXX XXXX history to show that I made no such transactions. Yesterday morning, I had received an email from Chase stating that they got my documents, however no Adjustments will be made to my account. This morning, XX/XX/XXXX at XXXX XXXX  I called Chase Claims & spoke with a gentleman named XXXX. He looked through my claim & said that the documents I had uploaded were denied because it consisted of irrelevant information, there wasnt strong enough evidence to prove that I didnt make the transaction & that there was nothing he could do on his end. I have been a loyal chase customer for 4 years & I am appalled by how I am being treated in regards to this situation. Not to give a XXXX  story, however I am a XXXX  mother working full time to make ends meet, I am going through an even more stressful time now that I wont receive my {$400.00} back to help with everyday purchases/bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
I requested that TransUnion LLC to provide proof of authority to furnish XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX in which TransUnion LLC did not have my written consent and failed to provide proof of legal and lawful authority to furnish the accounts. Transuion also failed to update my personal information as requested. On XX/XX/2023 I had draft complaint regarding the accounts and invoiced them for {$1000.00} for each violation which totaled {$7000.00}. They failed to comply with the fair credit reporting act. I filed a complaint with the Superior Court of California, Case Number XXXX on XX/XX/2023 and after going to court TransUnion LLC Representative XXXX XXXX senior analyst legal operations , showed up and confirmed under penalty of perjury that the information was true and correct and they complied with the laws. Informing that the creditors had the rights to report the accounts so it was lawful. I opted out but forgot to bring my proofs for the courts. I ended up losing the case. TransUnion LLC representatives and executives officers acted recklessly when they failed to investigate properly and make sure the report was accurate and they the complied with all applicable FCRA/GLBA laws and procedures. I have attached proofs that I opted out of reporting my non public personal information to third parties and it shows that TransUnion and its employees failed to investigate and comply with the GLBA and the FCRA. They have and had no authority to report any of those accounts without my permissible purpose, and to disclose my private information without my permission. TransUnion representatives continue to report the fraudulent accounts, and has caused severe humiliation, emotional distress, mental anguish, and defamation of character. They failed to remove my old addresses and contacts. Which has caused me great harm because sending text messages or requesting to send anything to address or phone numbers that I no longer have puts my account at risk of being comprise as well as my private non-public information. Update my address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, remove all other addresses on record, All inquiries should be removed from my consumer report they per 15 usc 1681. I have attached proof that I opted out with the creditors and they have failed to comply with GLBA and continued to disclose my private information. I also attached the complaint I filed with the local Superior Court of CA and they failed to comply.

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 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> I received a XXXX for {$2000.00} I called Chase I said please reverse and give back the money to the sender. They explained to me there is nothing they can do they told me to XXXX the recipient back the {$2000.00} as per advise from Chase XX/XX/year> I sent {$2000.00} back. Now XX/XX/year> I look at me bank account they sent the {$2000.00} back to the person causing me so much phone time grief XXXX  mental anguish. The worst part I sent money to someone that was a total scam a guy doing law not a lawyer they refused to do anything said they can not revers the money I will be leaving chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have two cards with Cap one XXXX XXXX and XXXX. I upgraded to XXXX XXXX and wanted to get rid of XXXX since now had practically two of the same cards. I planned on either transferring my credit limit from XXXX to XXXX XXXX or downgrading the card. 
Based on the fact I applied for the card in XXXX, I assumed that the annual fee will be charged in XXXX or XXXX ( 12 months ). Instead, the annual fee was charged a month early on XX/XX/XXXX. According to CapOne I have one month to request the fee be waived. I spoke to two individuals today XX/XX/year> -- a rep and a supervisor. Both refused to refund the fee despite my request to downgrade the card. Given that the fee was charged over a month early, I should still be within the timeframe to have it refunded. 

Timeline evidence is attached as screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-23 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Attached : Copy of payment receipt, letters from Synchrony Bank, and snap shot on App. 


Jc Penny 's sent letters about a full payment of {$120.00}. The emails showed only a {$35.00} payment was requiremed. It shows when I logged in to the account there is not a card scheduled for Autopayments monthly. I received a letter my payments were returned or reversed. It is not welcome to reverse payments to my accounts. If they needed a payment dispute it was not communicated during mediation from CFPB. I did not change my password. I had to reset my password to log in to the JCPENNYS App. I could not log in in the past it was a complaint to CFPB. It is still not clear what to understand about scam on the caller ID. 

I notified them through the Consumer Financial Protection Bureau ( CFPB ) of circumstances about their App, websites a complaint of scam as the phone number. I tried to get them a payment sooner through the mediation of the CFPB. They sent notice of having the incorrect bank information. They never had any wrong bank information because I sent details of each circumstances to CFPB. An additional call from Synchrony / JC Penneys it showed scam on the caller ID was the past complaint. 

A payment of {$70.00} does not show it was added on the App that was paid yesterday XX/XX/year> @ the local XXXX XXXX XXXX, XXXX. The attempts to make use the old debit card numbers causes me to send additional complaints to law enforcement because of suspicion of returned payments. The declines and hindrance from JC Penneys has consumed my time and made my credit score poor during emergency and caused the display of criteria of a denial for other applications. Please view attached letters and copy of recent receipts. Please reference past complaints to CFPB to work on this history to be resolved?

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 2024-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
i opened a XXXX XXXX synchrony credit card in XXXX of XXXX. I used it then to buy a bedroom set and paid it off all fine with no interest. unless im looking to buy furniture im not able to use it for anything else. i just got a notification from my credit report saying my account was closed on XX/XX/XXXX which was news to me because i received no notice of it closing. i actually got an email from them on XX/XX/XXXX under 3 weeks before this with an important notice of promotional financing offers that may be available for you when you use your XXXX XXXX credit card for future purchases and advising me of my APR. seems whack that they would email me that and then proceed to close my account. 
i called the customer service today XX/XX/XXXX trying to figure out what was going on and they said my account was closed due to inactivity. i admit that i havent used the card in a couple years but again, i can only use it at XXXX and havent needed furniture but if i was given a notice that it was going to close then i would have used the card. funny thing is, i just moved and actually was planning on going to XXXX soon. i am frustrated because due to them closing my account with no warning im loosing that account, that part of my average credit age, and my total credit limit has decreased which is going to be a major impact on my credit score that ive been working really hard on. while on the phone with customer service they said i understand your upset and that this was happening to a lot of customers ( theyre credit accounts closing with no notice ) and that theres nothing she could do. when i would ask more questions she just kept saying the exact same thing over and over like reading a script. i asked to speak with someone higher up might actually be able to help me reopen my account and she just said her manager would just tell me the same thing. before the call started it said there would be a survey after but when we were done she promptly hung up with no survey.

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 2024-08-23 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: MS

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
I am submitting this complaint against Experian Business for their failure to remove outdated Uniform Commercial Code ( UCC ) filings from my business credit report, despite my having provided all necessary documentation proving that these filings should be removed. 
Summary of the Issue : Business Name : XXXXXXXX XXXX XXXXXXXX XXXX Filing Reference Numbers : XXXX I provided Experian Business with complete and accurate documentation on the dates listed below demonstrating that the UCC filings on my business credit report have been satisfied and should be removed. Despite this, these filings remain on my report, negatively affecting my business 's creditworthiness. 
XXXX XXXX XXXX case is closed : Please see email from XXXX for more information. 
XXXX XXXX XXXX is assigned to agent, in queue to be worked in order of date received. 
XXXX XXXX XXXX is received and logged, pending assignment to agent. 
XXXX XXXX XXXX case is closed : Please see email from XXXX for more XXXX XXXX XXXX XXXX case is closed : Please see email from XXXX for more information. 
XXXX XXXX XXXX is assigned to agent, in queue to be worked in order of date received. 
XXXX XXXX XXXX is received and logged, pending assignment to agent. 
Laws Violated and Maximum Compensation Sought : 1. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681s-2 ( a ) : o Violation : Experian Business is required to maintain accurate and complete information on credit reports. Their failure to remove the outdated UCC filings after receiving my documentation violates this provision.

o Maximum Claim : {$1000.00} per violation ( e.g., per UCC filing that was not removed ).

2. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681i ( a ) : o Violation : Experian Business is obligated to conduct a reasonable reinvestigation of disputed information within 30 days. Their failure to act on my dispute and correct the inaccuracies violates this section of the FCRA. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Uniform Commercial Code ( UCC ) - Article 9 : o Violation : Under Article 9, Experian Business must update or remove UCC filings once the debt is satisfied. Their continued reporting of these filings is a violation of UCC requirements.

o Maximum Claim : {$1000.00} per violation.

4. Unfair and Deceptive Acts and Practices ( UDAP ) Laws : o Violation : The continued presence of inaccurate UCC filings may also constitute an unfair or deceptive practice under state UDAP laws, causing harm to my business. 
o Maximum Claim : {$1000.00} per violation.

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 2024-08-23 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: IL

Complaint narrative:
On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a customer at Bank of America. I sent {$1000.00} to XXXX today, XX/XX/XXXX. 
USD to XXXX XXXX Rate today is ( As per XXXX ) : XXXX XXXX XXXX : XXXX ( XXXX ) XXXX As of XXXX XXXX XXXX XX/XX/XXXX I was given a exchange rate of XXXX USD = XXXX XXXX That is almost 3 % of the total amount. 
They never disclose during the transaction what is their rationale behind this low exchange rate. 

This is defrauding the unsuspecting customer.

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