vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started working with XXXX XXXX to help receiving business funding for my XXXX XXXX. I filled out my client information with the correct income and revenue information. Then I signed the client agreement with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. He then texted me telling me he had to send me another agreement. This one had a different name on it, XXXX XXXX XXXX. XXXX XXXX was supposed to apply for business loan for me but took out a line of credit with skewed income information. XXXX XXXX XXXX applied for the application for me. He then charged XXXX percent on the line of credit to pay himself. I have a thread of text messages proving I did not apply for the card and how he changed my information to receive commission. I have evidence of fraud for multiple banking companies. XXXX XXXX XXXX would have specific people that he said I had to talk to. He applied for credit I didn't need, changed my information, then paid himself. The charges on the JPMCB credit are fraudulent. CFPB please investigate XXXX XXXX and complete an audit of my entire account application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I opened a checking account on XX/XX/XXXX with the offer of " Get up to {$400.00} Let 's do the math ''. {$300.00} to be rewarded after depositing {$500.00} within 60 days. The other {$100.00} I did not opt to participate in. Bonus XX/XX/XXXX, I called to inquire why I had not received my bonus as XXXX statement cycles have already passed. The agent acknowledged that I have fulfilled all the requirements of the offer and that the bonus would be deposited at the end of the month. The phone call was recorded like they mention at the beginning so there is no question. 

In the fine print of the offer it says to " take a screenshot of this page as proof ''. Therefore, I have provided further proof that I registered for this offer and fulfilled the terms as stated by the last agent phone call on XX/XX/XXXX. 

XX/XX/XXXX passed and I did not receive the bonus deposit. 

Sunday XX/XX/XXXX I made a phone call to citizens bank. They claimed I needed an " offer code '' which there was no mention of during the application. The online offer was a direct link which I used to apply. I also retained the offer screenshot as shown in the fine print for my proof which they didn't accept. Instead they opt to start an " investigation '' which would be resolved within XXXX business days. XXXX business days past and nothing. 

Citizens bank defrauded me into opening a bank account and made interest off my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXXredit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-06 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: NV

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: MD

Complaint narrative:
XX/XX/2023 I received notice from my credit report monitoring service that there was a hard inquiry on my Transunion account, pulled by XXXX XXXX XXXX I did not make this inquiry, nor request a credit account to be opened with this entity ( XXXX ). I froze my Transunion and XXXX reports immediately ( XXXX already frozen ) to prevent further fraudulent activity. As my Transunion credit score was negatively impacted by the inquiry, I attempted to contact XXXX to get the fraudulent hard inquiry removed from my report. XXXX XXXX customer service was unaware of how to go about that process, and unable to direct me furtherXXXX XXXX customer service was able to confirm, looking up by SSN, that I do not have a credit account open with them at this time.

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 2023-12-06 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: CA

Complaint narrative:
Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXXXXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies Experian, XXXX, and XXXX and XXXX. After the investigation into the disputed information, Experian, XXXX and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX  - threats and attempts - Rejection Killings Need to Be Tracked Obsessed with attacking my XXXX American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXXXXXX XXXX XXXX XXXXhen an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX consumer law firm - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.

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 2023-12-06 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: NV

Complaint narrative:
The balance on account info does incorrect and not updated. 
XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX shown : {$7700.00} Actual balance : {$7000.00}

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 non-monetary relief
Consumer complaint received 2023-12-06 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: NV

Complaint narrative:
The balance on account info does incorrect and not updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX shown : {$7700.00} Actual balance : {$7000.00}

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 2023-12-06 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-06 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: NV

Complaint narrative:
The balance on account info does incorrect and not updated. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX shown : {$7700.00} Actual balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: AL

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please examine the enclosed documents. I urge the bureau to initiate an inquiry into the accounts that mistakenly label me as late, despite my consistent punctual payments.

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 2023-12-06 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: Chime Financial Inc
State: MO

Complaint narrative:
XXXX XXXX I filed a dispute with chime for fraud but they denied me but I can prove it wasnt me at that atm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase closed my business account that I had opened for over 10 years for supposed compliance reasons. They asked me to come by so they could copy my DL. I stopped by at the end of XXXX at a local Chase branch and provided my DL which they scanned and told me I was all set. A few days later my account was restricted and sent to closure at which point my Chase business account rep could not do anything but have me open up a new account. I opened up a new business account and waited patiently for my $ XXXX funds to be distributed from my old account to deposit into my new account. After many emails, phone calls with my local Chase account rep, the local manager and Chase cooperate customer service, I still have not gotten anywhere. It's been over a month, and I found out today Chase fraud and compliance department lied to me two weeks ago when they told me my check was mailed on XX/XX/31. After my local branch spending hours trying to get to the bottom, they found out a check was in fact never mailed. Now they need more " documentation '' proving that I live at my address that I've lived at for over 10 years since my account has been opened. I provided my DL that has the same mailing address back in XXXX and they still need more information. I don't understand how any business can operate having their account be restricted, closed and no access to their funds for almost 3 months now. This is absolutely outrageous that Chase would withhold money for such an unreasonable and extended amount of time and continue to bounce both the client and its employees from one department to another giving them all a run around as to why the funds have yet to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NV

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-06 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: NV

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I sent money to a Cash App recipient for them to retrieve immediately. The family member stated that they received the notification for the funds and that they cashed it out for that same day however when checking on the XXXX of the same month the transaction was still pending. I checked on my end and it was saying pending as well and the person needed the money that day so I cancelled it. There were 2 transactions from 2 different banking accounts to the same person. They both were showing pending and CashApp was not available to assist so I cancelled both transactions. One went back to my CashApp account of which I had to pay a fee to retrieve the funds and the other one showed canceled however it never came back to my CashApp account nor to my banking account. On that Monday I contacted CashApp and was told that they never showed the transactions pending and that they cancelled and returned both amounts. I told them that I only received the one for {$270.00} and I'm unsure of why I'm being charged to retrieve money that they failed to deliver and was told that this is the way cancelled transactions are handled and that I will have to give the other transaction for {$270.00} at least 24 hours to go back into my account. I called back twice after this at which time I was informed that the funds had been returned to my bank and there was nothing more that they could do that I would have to handle this with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : 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 2023-12-06 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: LA

Complaint narrative:
XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX, financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!

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