vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I first applied in XXXXXXXX XXXX 2022. I have made all my payments and I still owe XXXX and that's because I pay {$350.00} a month. It is making it impossible to make ends meet. I pay two payments a month of {$170.00} and only {$30.00} goes into the principal. This can not be legal. I reached out to them but nothing has been resolved. I had my car repoed due to this loan because I could not make all my payments.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Dispute of XXXX XXXX Account # XXXX I write to you today, XX/XX/XXXX, in response to the notifications from your agencies regarding my previously disputed account with XXXX XXXX ( Account # XXXX ). Despite my numerous disputes, the inaccuracies on this account persist, and it seems your agencies continue to inaccurately report this information even after reassessment. 

Your previous update indicated that this information was reported by the data furnisher, yet upon reviewing the alleged updates from your agencies, I note glaring discrepancies in both the reported dates of last activity and the payment history. 

Upon the conclusion of your re-investigation, my consumer report continues to be inaccurately reported across the three agencies. The dates of last activity listed vary widely : Transunion- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 

Furthermore, the payment history on the account reports differently across all agencies, as detailed below : - Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX Current, XXXX. XXXX XXXXXXXX XXXX XXXX- 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late. 
- XXXX : XXXX XXXX 60 days late, XXXX XXXX 90 days late, XXXX XXXX No Data, XXXX XXXX XXXX XXXX XXXX  XXXX- 60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies 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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding unauthorized ATM withdrawals from my bank account, as well as the subsequent denial of my claim by Chase Bank. I kindly request your assistance in resolving this matter and seeking a fair resolution. 

On XX/XX/XXXX, I discovered several unauthorized ATM withdrawals totaling {$4200.00} from my bank account. These withdrawals were made in increments of {$200.00}, which is not consistent with my banking habits. Recognizing this as fraudulent activity, I immediately reported the incident to the fraud department at Chase Bank, who assured me that the money would be reimbursed pending an investigation. 

To my surprise, on XX/XX/XXXX, I noticed that the bank had deducted the reimbursed amount of {$4200.00} from my account without any prior notification or explanation. I reached out to the bank to seek clarification and was informed that my claim had been denied. However, despite my repeated requests, the bank representatives refused to provide me with a clear reason for the denial, leaving me in a state of confusion and frustration. 

As a loyal customer of Chase Bank for several years, I have always maintained a responsible approach to my banking activities. I have promptly reported any suspicious transactions in the past and have diligently followed the necessary procedures outlined by the bank. However, the current handling of my case has left me feeling unheard and unfairly treated. 

I believe that it is my right as a consumer to receive a thorough explanation regarding the denial of my claim. I request the Consumer Financial Protection Bureaus intervention in this matter to ensure that justice is served, and I am provided with a clear understanding of the banks decision. I also seek your assistance in facilitating a fair and unbiased review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and inquiries. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraudXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card through Wells Fargo at a 0 % interest rate for 12 months which I planned to use towards some repair work I needed done at my house. I was approved and sent the credit card along with two giant checks. The contractor did not have the means to accept a credit card but said he would take two checks for payment. I read the information regarding the the check usage and everything I read led me to believe that they could be used same as the credit card unless i used them as a balance transfer. I was not transferring any balances so I wrote the checks. A couple days later when I called the automated number to make sure the contractor cashed the checks, I was shocked that the balance was in fact {$380.00} more than I charged. I called the bank right away and they told me that the {$380.00} was a transaction charge for making a balance transfer! I told them that I did not make a balance transfer and that I would rather pay cash out of my savings than lose {$380.00}. They said they would escalate my concern and someone would get back to me. A person named XXXX sent me an email around 10 days later with more language about using the checks as a balance transfer. I tried to call her but she is never available. Ii called customer service back and asked if I could just pay the balance minus the fees before the statement came and they said no. I feel like I was duped and that my money was stolen from me. I never asked for checks in the first place and for the bank to send two GIANT checks with tiny print about " balance transfer ' language that nobody understands with the credit card that I did request feels like fraud. 
The bank sent me photos which I am enclosing which I actually read but it is and never was clear to me that the checks are considered " balance transfers '' regardless of what you use them for. In my mind I always thought a balance transfer was a transfer of monies from one account to another not a payment like a credit card or regular check. 
Please help put a stop to this unfair practice.

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 monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After receiving my statement in XXXX, I noticed approximately {$10000.00} in charges from a service called " XX/XX/XXXX'' spanning the months of XXXX and XXXX. 

I have used XXXX XXXX, in the past, to purchase 2 domain names and apparently my credit card was saved in their system. The first purchase was in XXXX of XXXX ( see attached : XXXX ) and the second in XXXX of XXXX ( see attached : XXXX ) I point this out because Chase says, because I've purchased 2 domains totaling less than {$90.00} each in the past that the XXXX XXXX dollars of purchases during the months of XXXX and XXXX of XXXX are not fraud. The only reason the charges stopped is because I reported my credit card as stolen at that point and a new credit card was issued. 

Here 's what happened. My account on XXXX XXXX was hacked. The contact information changed such as email address and login information. I can not login. They used the saved credit card on file to purchase approximately {$10000.00} worth of services from XXXX XXXX, I don't even know what they all are, maybe domain names. See attached for my credit card statements : XXXX and XXXX. 

I reported this as fraud as soon as I saw it on my statement and have been back and forth with Chase for months disputing the charges and escalating the dispute. They sent a final determination letter ( see attached : XXXX ) saying they found that it wasn't fraud in their investigation. 

They said they tried to contact XXXX and since the charges were made " from my account '' ( of which I have no access to anymore ), they stand by that they are valid BUT they won't provide any information like ... what were the domain names purchased? who owns those domain names? Which if they did provide that information it would PROVE I DON'T own them nor am I associated to them in any way shape or form. 

I don't know what to do! This is not a {$20.00} dispute this is XXXX XXXX dollars of fraudulent charges. I'm just appalled that after being a customer of theirs for over 15 years with a spotless history of credit they would not work with me and honor their commitment to protect me against fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX  Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited three checks which turned out to be fraudulent. I notified the bank immediately when I found out about the fraud. The bank locked me out of my accounts and turned it over to their fraud department. However, it has been a month since the last bad check was deposited. Two of the three have been returned, one hasn't been. 
The bank deducted the amount of the bad checks when they let me close my savings account, however, they will not allow me to close my other checking account. That checking account was not compromised and the bank should be able to verify that. 
They have been putting me off since XX/XX/14 and are holding onto over {$10000.00} of my money and they will not let me have it. 
PLEASE HELP!

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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  XXXX ; Account Name, XXXX XXXX  XXXX, XXXX  XXXX ; Account Name XXXX XXXX XXXX , XXXX  XXXX ; Account name, XXXX  , XXXX  XXXX ; XXXX  XXXX , XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy. 

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction. 

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 conviction 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 explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

XXXX XXXX  : # XXXX, XXXX XXXXVT XXXX # 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 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 explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a checking account, savings and a credit card with citizens bank. 

This is about my Citizens Cash Back Plus World Mastercard, which I opened last year in summer.

I've been out of the country for almost two months, visiting my family in XXXX. 
From XX/XX/2023 to XX/XX/2023. 

I checked my mailbox after returning to see I have received a letter from Citizens bank stating that my credit card account is closed because of some suspicious activity. 
I tried calling citizens immediately and they said it was regarding my payment made through a miscellaneous account for the amount of XXXX on XX/XX/2023. 
They requested to provide a proof of authorization from the person 's bank account which I used funds from to pay my card bill. 
( I used my cousin 's bank account details to pay off my balance and I was only able to use it after verifying the account within my online banking with the two minor deposits they sent to authorize to his account. ) I did reach out to my cousin again and send out the statement of his to citizens to get verified by them and get my credit card reinstated.. 
The case evaluation took more than two months and after two months they gave me a call and say they need to do a credit check to reinstate the credit card stating that after any account is closed it could be only opened back/reinstated within three months. 
I argued it was their team who delayed the process in the first place despite me going to bank twice to resolve this. 
There wasn't a mistake at all from my side in the first place, they didn't have proper communication before closing the account. I never receive a call/text or email from them to confirm that suspicious payment that they thought it was, all they did was send out a piece of mail and close the account.
Instead of closing the account straight forward, they could have, texted, called or emailed me to find the details of the payment, despite me being out of country I do have access for those all and could have explained them and resolved the issue.

In the end now after the inquiry they said they cant approve the card because of my existing credit stage.
I lost a credit card and an account from my credit history because of their improper maintenance/handling of situation.
And this did affect my credit score again.

Company response to consumer: Closed with explanation