vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I dont know what happened Im just looking at my credit report and I see accounts that dont belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a fraudulent account and should be removed... 
XXXX XXXXXXXX XXXX XXXXXXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX XXXX a fraudulent account and should be removed XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.

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 2024-01-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent account and should be removed... 
XXXX XXXX XXXX XXXX  is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I have repeatedly asked the company to provide sources or documents they have on record regarding this account, including the original contract bearing my signature. And they refuse to do so. They have also refused to delete outdated account information on my account that is more than 7 years old. 
Section 609 states that I can see any sources or documents you have on record regarding this account, including the original contract bearing my signature.

Under Sections 605 and 607 of the Federal Fair Credit Reporting Act, you must delete obsolete information from my consumer credit file. 
I sent letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they refused to send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

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 XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 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 2024-01-31 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:
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. 

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
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have been paying the loan always before XXXX. My income has decreased in the past XXXX years. They start calling me at XXXX XXXX XXXX  day after it is due and at least XXXX times a day and XXXX day afternoon and evening

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened a credit card back in XX/XX/XXXX with Wells and i was given a credit limit of {$2500.00}. The purpose for me getting this card was becasue it came with a waiver on the XXXX  transaction fees which was critical for me as i was preparing to travel XXXX to do a semester XXXX  ( will be in XXXX for 4 months returning to USA only until XXXX ). 
I was able to use the account normally through Thursday XX/XX/XXXX and it stopped working and i got decline after that every time i intended to make a purchase. 
The card is not working and they have not given me an explanation as to why it was declined and they told me to wait 15 days for it to be resolved even after i paid my full statement balance on the account which left me with about XXXX on open to buy limit. 
I am in a dire situation as this is my only credit card i can use here and i need the card to work especially knnowing that i already paid the statement balance and they accepeted it in full. 
We need resolution ASAP and i am hoping this complaint submisssion will help becasue Wellls Fargo juist does not want to help. And they do not give me an answer as to why this is all happening

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I used Paypal to purchase an item off of a seller on XXXX and when I returned the item, the seller said they never received it even though it was signed for. This would have been XXXX of XXXX that I opened a dispute with paypal. From here they opened a dispute, refunded my money. I paid credit for an {$1100.00} item and they refunded it to my cash account. A week later, they took it back out making my account negative and requested I pay them back. From here I opened another dispute to which they elevated the request. Again they refunded my money for a week or so and then took it away again. I then elevated that dispute again to which they agreed should be an easy case to resolve seeing all of the evidence shows that I returned the item and it was signed for. At this point they never gave me a good explanation of what was going on and I figured I lost the money at this point. Well, that all took until about XXXX of XXXX. XXXX XXXX I received a letter from debt collectors trying to recover the money to which I explained what happened. This is when I kept getting letters in the mail from paypal about paying off the debt a couple of times a month. I called paypal to ask why and they could only say " because I owe the money ''. They sold my account to another debt collector who added interest of course and was trying to get a hold of me. It'd been 4 years by the time I figured out how to open a dispute to get the debt taken care of, but I believe this is still reflecting on my credit reports and want to make sure I don't have to deal with this anymore. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
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.

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
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NC

Complaint narrative:
I Used Klarna for instalments payments for a puchase at XXXX XXXX for XXXX, I ended up returning items 3 days later for a full refund and Klarna keeps refusing to drop the charges and refund me the money I paid which was 2 payments of XXXX totatlling XXXX I have submitted receipts from XXXX showing item was return, I contacted Klarna like 20 times I have send emails and they dont respond. I called tjem several times and no help. I was than sentt to collections I sent them the emails with Klarna and receipt showing refund and they do not want to get involved and want me to still pay. 

They are claiming in the email that money was refunded to me for a XXXX purchase. I bought XXXX at XXXX. I already paid Klarna 2 payments of XXXX totalling XXXX and Klarna sent me to collection for which I paid XXXX totalling XXXX that i paid. so why they are saying that my refund was applied to XXXX. 

I am very frustraded and I feel as this is a scam, fraud they are playing games with meand refused to respond..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

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. 

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC 1681b ( 2 ) the inquiries via the attached physical hard copy of the consumer file sent directly to your institution are a result of inaccuracies allowed by your agency willfully by not providing the permissible purpose for the listed inquiries. These actions caused grave damage to my creditworthiness as a consumer. In addition, pursuant to 15 USC 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( {$1000.00} ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Pursuant to 15 USC 1681a ( 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( which would be considered transactional history ), the XXXX  attached accounts via the physical hard copy of the file are disputed. The holding of these accounts is a violation of my right to privacy under the Privacy Act of 1974.

The civil liability for the violations committed under the FCRA and the XXXX inaccuracies that are disputed in my consumer report destroying my credit worthiness as a consumer is {$35000.00}. I expect to be compensated for the damage done to my reputation as a consumer as well as your institution adjusting the way they protect the information and privacy of consumers.

Failure to perform will leave me no choice but to seek legal remedy in Federal District Courts.

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 2024-01-31 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: TX

Complaint narrative:
I hope this message reaches you in excellent physical condition.

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement XXXX days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a certified letter to Equifax via tracking # XXXX on XX/XX/. The letter was signed for on XX/XX/2024. I have attached the letter and copies of the portions of the credit report to show the accounts which were affected by the criminal actions of identity theft. I have also attached the identify theft report. This was included with the original letter, along with a copy of my drivers license and an up to date utility bill with my name and address which matched my drivers license on it. I had also sent a copy of the FCRA 605B just in case they were not aware of it. Everything was sent according to federal law. I did not receive any notification back until today XX/XX/. The letter states that they are not going to block the information on my credit report and have forwarded the information on my behalf which I have already done. They go on to state that for them to block the information under section 605B I need to provide proof of my identity, the specific information that is the result of identity theft and a copy of your submitted theft report with the federal trade commission. This has all been submitted and is all attached. I believe this is an intentional action by Equifax. I am a victim and this is causing me tremendous harm while I am trying to pick up the pieces of my life and get it back together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
I opened a new checking account on XX/XX/XXXX. As the initial setup, I deposited XXXX - {$500.00} personal check from my grandmother and XXXX - {$7100.00} cashiers check from XXXX XXXX. The banker who assisted us deposited these checks and informed us it would be held for 10 days. 
I received a letter dated XX/XX/XXXX stating they have an issue with the deposits and need additional information. 
I called on XX/XX/XXXX to speak with customer service. They informed me that they needed to verify the checks I have deposited. They were unable to reach my grandma and XXXX XXXX Bank to verify the checks. 
I called again on XX/XX/XXXX to see what the status of the verification. Chase continued to say they will not release the checks until the checks are verified and within 2 days on XX/XX/XXXX they will deactivate my account and close it if not completed. 
I called again on XX/XX/XXXX and we were able to verify the {$500.00} check with my uncle who is also on the account with my Grandma. I was told they called the XXXX XXXX XXXX but the bank could not verify the check amount. But, they did call a number on the cashiers check and were able to validate the check number and date. 
On XX/XX/XXXX, my checking account was released from hold, reinstated to active status. I tested it out and was able to deposit 2 electronic transfers via XXXX for {$1.00} each. 
On XX/XX/XXXX, I called the customer line again since it has been another week and money still has not been deposited or made available to me. I demanded to speak with the supervisor and was assured by " XXXX '' that the checks will be released 3 to 5 business days. 
I am afraid it is another stall tactic and nothing has been done to help me. I have not received any notices or advice for next steps. My money has disappeared and no one is able to help me. Each time I have called, I am at least disconnected 1 time and spend over 2 hours on the phone. I have sent at least 5 emails through secure messages to Chase for assistance and each time I am directed back to the customer service line ( XXXX ). The customer service representatives and the supervisors say they can't help but for me to just wait. 

Chase has held my funds and have not provided any updates to me. My direct deposits have been rejected and now I am without any access to my money.

Company response to consumer: Closed with explanation