vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I was in a middle of a XXXX  game. After the game ended, I check my phone and seen that a transaction had been made on my account. I immediately called my bank to resolve the issue but they kept directing me to another department. At one point they had me on hold for over an hour, meanwhile the transaction had been finalized. I called before it finalized to avoid this mess but it didnt work. Then they kept distributing me to departments telling me that the bank couldnt do anything for it had been made through XXXX. So I called them but when I did, they directed me back to my bank to finally to make a fraud claim. So I cooperated and then called a few days later to check on it. They said that it was through my phone and Face ID but I dont know how if I didnt even have my phone. They then said they couldnt do anything about it and left it at that. So then I called again a few days later to try to resolve it because I lost money without my consent but it was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. 

These unauthorized inquiries have raised concerns about potential identity theft or fraudulent activity. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries promptly and provide me with a detailed explanation of their origin.

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 2024-04-25 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: DE

Complaint narrative:
FCRA 605B appears to require the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts inaccurately report amounts and dates.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX. I just filed one with XXXX XXXX because I thought they weren't updating their files or the account on my credit report since I paid them off in XXXX of XXXX, but I noticed XXXX XXXX has been showing as settled with a {$0.00} on XXXX since XXXX of XXXX. I can't be sure if XXXX XXXX only updated my XXXX report, or if XXXX XXXX and Experian were notified and they just didn't update their records. But since I am noticing another one of my debts which shows as {$0.00} and paid off on XXXX since XXXX as well which would be the XXXX XXXX XXXX XXXX, and not on Experian and XXXX XXXX, then I believe its Experian and XXXX XXXX which are not doing their job. I need them to remove these accounts from my credit report now since they are clearly sabotaging my credit report. It is unlikely 2 different creditors only updated their info with XXXX. It is more likely that Experian and XXXX XXXX are simply not doing their job and correcting my report like they should be. Even more so since I called XXXX XXXX on XX/XX/XXXX and I let them know they needed to fix this. 

I now need them to remove these accounts from my credit report since they have been wronging me since XXXX of 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 2024-04-25 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: 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 informationisinaccurate.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/XXXX. XXXX. I WAS LOOKING AT SOCIAL MEDIA AND COMPLETELY FORGOT ABOUT CHIME PREPAID CARD BECAUSE I HAVE BEEN DOING MY IDENTITY THEFT ISSUES REPORTS FOR SO LONG ON A DAILY BASIS ON MY XXXX XXXX XXXX AND MY TWITTERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH MY BIRTH LAST NAME XXXX XXXX XXXX. I COMPLETELY FORGOT TO KEEP UP WITH MY REPORT WITH THIS COMPANY BECAUSE I TRIED TO CANCEL THIS ACCOUNT AND I WASN'T ABLE TO. IT'S UNDER MY BIRTH NAME XXXX XXXX XXXX AND I OPENED IT AROUND XXXX LIVING AT THE XXXX XXXX BUT I WASN'T ABLE TO CANCEL THE ACCOUNT AND I NEED YOUR HELP TO GET RID OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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 informationisinaccurate.

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 2024-04-25 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: DE

Complaint narrative:
FCRA 605B seems to mandate the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts inaccurately report amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: DE

Complaint narrative:
I believe FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts inaccurately report amounts and dates.

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 2024-04-25 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: DE

Complaint narrative:
I ask that these inquiries be removed, as I am not aware of them, and the company conducted them without my 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
BACK IN XXXX OF 2024, THERE WAS AN UNAUTHORIZED CHARGE ON MY WELLS FARGO CHECKING ACCOUNT, I IMMEDIATELY REACHED OUT TO WELLS FARGO, REPORTED IT AN UNAUTHORIZED CHARGE. THE CLAIM WAS OPENED, WITH MY VERBEL CONSENT. WELLS FARGO REPRESENTATIVE CALLED ME AND CONFIRMED EVERYTHING AND AGAIN ON A RECORDED LINE I VERIFIED THAT THE CHARGE WAS NEVER AUTHORIZED, TILL TODAY THERE HAS BEEN NO RESOLUTION, I HAVE EVEN SUBMITTED THIS CASE TO THEM THROUGH SMALL CLAIMS COURT AND I HAVE NOT HEAR BACK FROM WELLS FARGO. PLEASE NOTE THAT THE CHARGE WAS NEVER AUTHORIZED BY ME, I AM NOT SURE WHY IT WAS PAID. THE AMOUNT OF THE CHARGE IS {$31000.00}.

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 2024-04-25 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: IN

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 informationisinaccurate.

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
I have contacted this company multiple times for several months now, including today two different numbers the first number listed on XXXX XXXX place me on hold and then disconnects and the second one which was the number that was given to me directly from that debt collection department says 'call can not be completed at this time '. I have never received an initial intent to collect letter, I had found out due to a review of my credit report, and I have asked several times to see the original documents of the debt, the last time I called was more than a month ago requesting documents. in the beginning they said it might be possible to dispute this since I told them I had left this property on XX/XX/year> due to XXXX  XXXX and I did submit the proof of this and the proof of a police report stating I had left. The company stated even though I showed proof the original creditor did not want to work with me, when I explained if I can contact the original creditor and if they can tell me who I originally owe this debt to they stated that It is not possible to give out the information and I could not work directly with the original creditor. I then started to send me the documents to verify the debt and gave them my address and phone number I asked verbatim I want these documents in writing sent to my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened my Chase checking account and saving account on XXXX. According to their annoucement, I should have received {$900.00} promotional bouns from these open accounts ( {$300.00} XXXX {$200.00} XXXX {$400.00} extra ) as long as I complete the mission. 

The problem is, I only received {$300.00} XXXX account bouns from Chase. I have deposit {$15000.00} within 30 days of opening for 3 months and provide them with the coupon code, but they refused to accept that and refused to offer me the saving bouns and extra bonus ( {$200.00} saving+ {$400.00} extra ) because they insisted that I should ask for the bonus within 21 days of opening account, which was not mentioned at all when I opened the account. I was not notified by any bankers, official advertisements or from anywhere else, and Chase customer service didn't give any explanation for this, and even neglected my inquiry for weeks since XX/XX/XXXX. I would consider this is an advertising fraud and financial improperties! 

I should not take responsibility for this and I feel totally cheated. I am definitely qualified and deserved the bouns back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I am filing this complaint against XXXX and Trans Union. I just filed one with XXXX XXXX because I thought they weren't updating their files or the account on my credit report since I paid them off in XXXX of XXXX, but I noticed XXXX XXXX has been showing as settled with a {$0.00} on XXXX since XXXX of XXXX. I can't be sure if XXXX XXXX only updated my XXXX report, or if Trans Union and XXXX were notified and they just didn't update their records. But since I am noticing another XXXX of my debts which shows as {$0.00} and paid off on XXXX since XXXX as well which would be the XXXX XXXX XXXX XXXX, and not on XXXX and Trans Union, then I believe its XXXX and Trans Union which are not doing their job. I need them to remove these accounts from my credit report now since they are clearly sabotaging my credit report. It is unlikely 2 different creditors only updated their info with XXXX. It is more likely that XXXX and Trans Union are simply not doing their job and correcting my report like they should be. Even more so since I called XXXX XXXX on XX/XX/XXXX and I let them know they needed to fix this. 

I now need them to remove these accounts from my credit report since they have been wronging me since XXXX of 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 2024-04-25 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: CA

Complaint narrative:
I pulled my credit reports and noticed a mysterious collection account from XXXX XXXX that has never been verified or validated. I complained about this reporting once before that I have never received any notice at all which would have allowed me to dispute this debt I allegedly owe. XXXX and XXXX claims this debt was investigated and accurately verified but both failed to present to me or forward to me the proper procedure that was used to verify this account as accurate. As I write this, I still have not received anything pertaining to this debt they claim I owe which is in violation of FDCPA Section 807 ( 11 ) & Section 809 ( a ) ( 1-5 ) for failing to have any initial contact with me ( written or verbal ) before reporting this erroneous information on my credit report. With this negative reporting on my credit profile, it is really hindering me and my family from progressing.

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 2024-04-25 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: PA

Complaint narrative:
I noticed unauthorized accounts and inquiries on my consumer report. REMOVE XXXX U.S.Code XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-25 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief