vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to file a formal complaint against Chase Bank for its failure to comply with the Service Members Civil Relief Act ( SCRA ) in relation to my credit card account. 
am a former member of the XXXX XXXX  XXXX who separated from XXXX XXXX military service on XX/XX/XXXX. This separation is duly documented by the XXXX form, commonly known as the XXXX XXXX XXXX XXXX XXXX document. Subsequent to my separation from the XXXX, I joined the XXXX XXXX XXXX XXXX XXXX XXXX, as evidenced by the Enlistment Contract ( XXXX ). 

Despite being eligible for SCRA benefits due to my new active term of service with the XXXX XXXX  XXXX XXXX, Chase Bank has refused to lower the interest rate on my credit card account, citing an " internal policy '' requiring a XXXX gap in service for such benefits to be applicable. This policy contradicts the clear provisions of the SCRA, which do not stipulate such a requirement. 

Furthermore, Chase Bank has disregarded the validity of the Enlistment Contract and my Leave and Earnings Statement ( LES ), issued by the Defense Finance and Accounting Service, as documentation of my federal service. Both of these documents are crucial in demonstrating my eligibility for SCRA benefits.

I believe Chase Bank 's refusal to apply SCRA benefits to my credit card account and its arbitrary policy regarding the eligibility criteria are unjust and in violation of federal law. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure Chase Bank 's compliance with the SCRA. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
My bank account was hacked and compromised my bank account password was changed I received an email from my bank asking if I made the changes to my account I responded XXXX immediately after saying that i made no such changes a few hours later XXXX $ was transferred out my account to someone else debit card my funds were transferred from my savings into my checking without my knowledge or consent my email address had been changed on my account without my knowledge or consent and fraud department never contacted me once or provided protection for my account & when I reached out to the customer service at the bank they were rude I was threatened to be hung up on my account wasnt closed out until the third time I called because funds were still being transferred out of my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 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: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
We have reached pout to Jefferson regarding this fraud debt. The original address is nt associated with me in no shape form or fashion. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-02-27 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: AZ

Complaint narrative:
I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: OH

Complaint narrative:
AES/XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Is continuing to verify to the CRAs that my student loan was delinquent. My loan was always in a paid, deferments or forebearance status when it was held by AES. 
Further AES is infamous for their mishandling of the loans and giving poor advice to their customers. 

Recently they have verified again information that it was delinquent and they are unable to provide me with any proof that this is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
TransUnion has failed to proper investigate fraud accounts listed as XXXX XXXX XXXX XXXX XXXX XXXXa I summit police report and a affidavit of fraud and they have refused to investigate it I spoke with XXXX XXXX ( Supervisor ) she stated that they can not send me proof of the account in question I need the CFPB to take matter on this action as they are violating my consumer rights

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 2024-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: AL

Complaint narrative:
On XX/XX/year>, a collections account was added to my account. Multiple numbers and information wasnt consistent with each other so I disputed it multiple times. In between disputes, I gave then a call and Disputed a debt, they are now claiming it is valid, without giving me proof of the validity of the debt. I can prove the debt is invalid per my lease ( Legal document pertaining to the property ) I can prove the debt is invalid per XXXX XXXX ( XXXX ), since the landlord failed to provide an itemized statement within 30 days of lease termination. I have been offered lower debt amounts multiple times but no answers to my requests for information. They change dates and amounts after every dispute but havent matched. Called them over 6 times and they threaten me multiple times saying they could make this difficult for me later on in life and it would be better if I didnt questions. Unable to get a resolution from them, I resolved to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-27 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: NV

Complaint narrative:
I requested for an annual credit report and noticed that there was information on my credit report 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 non-monetary relief
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
I requested for an annual credit report and noticed that there was information on my credit report without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: IL

Complaint narrative:
I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with XXXX and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of 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 2024-02-27 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: IL

Complaint narrative:
I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with XXXX and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of 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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Dave Operating, LLC
State: MD

Complaint narrative:
I HAVE BEEN GETTING CHARGED FOR THIS DAVE INC MEMBERSHIP FOR OVER A YEAR. THEY CLOSED MY ACCOUNT CANCELLED IT WITHOUT NOTICE OR PROVIDING ANY INFORMATION TO ME BUT STILL CONTINUE TO BILL ME FOR THEIR MEMEBER SHIP FEE OF XXXX DOLLAR PER MONTH. I HAVE CALLED MY BANK TO GET THE STOP PAYMENT BUT THEY CANT BECAUSE THEY ADVISED THE WAY DAVE INC IS WITHDRAWING THE MONEY IS LIKE THEIR USING AN ATM AND ITS NOT REOCCURING MONTHLY MEMBERSHIP CHARGE. THIS COMPANY HAS BEEN DEFRAUDING ME FOR SEVERAL MONTHS. THEY CLOSED MY ACCOUNT WITHOUT ANY KNOWLEGE XX/XX/year> HOW DOES A COMPANY BLOCK YOU FROM ACCESSING AN ACCOUNT THAT YOU USED TO AVE WITH THEM BUT STILL CHARGE YOU. ITS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting on all three of my credit reports all the information on this account is wrong they have never had the account right on my credit reports at on time the reported I Had 158 bad checks there is no way I Had 158 bad check they won't accept a check after 3 bad checks fair credit 609 says they must verify and send me all the information on this account including address amount dates phone number remarks history if can't be verified this needs to be deleted immediately

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 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: First Texas Auto Credit, Inc.
State: TX

Complaint narrative:
The question has not been answered provided statements for balance on the vehicle.And any agreement with XXXXXXXX XXXX and first Texas auto credit. XXXX XXXX. Stated in order to pick up vehicle was the amount of XXXX. There's miscommunication.we just want to be aware of the situation. y'all have failed to provide the information on the sale of the vehicle. The collateral was never owned by XXXX XXXX. First Texas auto credit union has there vehicle, - money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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