vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
My daughter and I went to the chase location in XXXX TX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) in order to close my husband 's checking and saving 's account on XX/XX/XXXX. When we presented the Consulate Report of Death Abroad given to us by the US Consulate in XXXX, they refused to accept that as a Death Certificate as they claimed it was not a sealed/certified document. However, the US Consul official informed us that there is no other format that they release as the new form has their signature and electronic seal directly onto the document and all prints of the same count as the original of the document. 

Due to this, they refused to close the account and release the remaining funds in the account ( XXXX USD in the Checking, XXXX in the XXXX ). 

Over the weekend, there was a hold placed on both accounts, so I am unable to access them electronically anymore, either. Now I can not withdraw the funds through the application or the website. This hold also placed the Savings account in a negative status with a debt of - XXXX, with no description other than " Misc Debit ''. 

I called CHASE 's Estate department on XX/XX/XXXX and spoke with a young lady who informed me that I should be able to close the Checking account with my ID and my husband 's death certificate, as I was a co-owner of the account. However, she refused to even answer questions about the status of the Savings account or correct the error on the account that is causing the debt to appear, as I was neither co-owner nor beneficiary on the account. As such, I am unable to determine what I can do to retrieve the remaining XXXX USD from the Savings account or even what is causing that exorbitant debt to appear.

As it stands, the accounts are not closed, but placed on hold and with an unknown debt added to the Savings account. They refuse to acknowledge my relationship with my deceased husband, who has passed away as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXXL XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : XXXX. FDCPA Section 807 Violation Misleading False Reporting AMWESTFINCOR Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 


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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2024 I put in a dispute to Transunion to delete an old public record. They investigated and subsequently deleted the old public record. Everything seemed fine until on XX/XX/2024, I was alerted to a credit score change. My credit score had dropped by XXXX points on Transunion. The XXXX reasons for the drop stated, removal of public record and account balance decrease on XXXX of my credit cards. I believe that neither of their XXXX reasons would cause a decrease in my credit score, in-fact it would increase my score. I called Transunion on XX/XX/2024 and was rerouted to their text messaging center because they were closed for call. I had text conversation with XXXX who tells me that i have to pay for a copy of my report to see negative factors ( which is not true ) it is all listed on XXXX XXXX. She ends the conversation giving me a phone number claiming to have a dedicated credit scores handling team available to help me .... lie. The number she gave was for me to order/pay for a copy of my credit report. 
Today, XX/XX/2024 i called Transunion again and talked to a live person on phone, didn't catch his name. He gave me every reason ( general lists of reasons ) in the book for why my credit score decreased XXXX points including a lie about me having a recorded late payment reported on XXXX of my accounts. I immediately got off the phone with him and ordered my credit score from Transunion confirming what i already knew. There were no late payments on any of my accounts. I believe that Transunion is just making up excuses for lowing my score so i am requesting help from you in this matter. There is no disputing and any other recourse i can take in this matter as you can't dispute a credit score with them. They act as if a mistake can't be made when recalculating scores. This whole situation seems fraudulent to me. I have most everything i have stated here documented except the phone call. 

Thank you so much for any help you can give me, Truly yours, 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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account. 

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights. 

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hold XXXX accounts with Synchrony Bank. XXXX are XXXX XXXX XXXX. They closed XXXX out do to non and never even sent me notification. All my accounts are in good standing and not once was I ever late with any of my accounts. DEALING WITH THIS BANK IS EXHAUSTING, TIME CONSUMUNG, UNSOUND BUSINESS PRACTICES, No one knows what they are doing. XXXX agent is proving me a phone number to send request a subpoena! This company takes XXXX accountability for their incompetence, unsound business practices, negligence, the lack of knowledge the people this bank hires. 
I email XXXX XXXX who is a high official at Synchrony Bank thinking this would help me resolve the issues I did not create and brought this to his attention and my emails went ignored until I added XXXX XXXX who is the former CEO. Now XXXX XXXX. 

I was very detailed and provided ample proof to XXXX XXXX by email. My emails were not taken seriously and ignored. I called XXXX XXXX in the " office of the president '' There is no office. Everyone works from " home '' XXXX XXXX never looked into my valid concerns. I even left her a voicemail with my account numbers. She tried to lie and finally admitted she did not look into anything. It is horrible that I am going through these matters. I spoke to endless people. I applied for a Lowes card and a XXXX XXXX showing I was approved and my credit was pulled which I was aware of. My credit was pulled XXXX times not twice with XXXX. 

XXXX XXXX from XXXX extension XXXX. She never left her extension. That was another job in in itself. XXXX advised to file the banking complaints, She did not want to assist nor look into any matter. This is unsound business practices, I assure you I have all my evidence and digital foot prints. I will seek a consumer lawyer for there dangerous business practices and putting me at risk. The calls show that. the evidence show that. This will not be tolerated as I did not nothing wrong and accountability needs to take place. They did not even have my correct address. My unit number was not listed. I have accounts with the same address, phone number. These people are careless and commit so many violations. IT JUST HORRIBLE. I TRIED TO RESOLVE BY CALLING AND BEING TOLD WE WILL RUN YOUR CREDIT AGAIN. NO ONE KNOWS WHAT THEY ARE DOING.

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 2024-02-22 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: FL

Complaint narrative:
See all letters and FTC report I have attached

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 2024-02-22 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: WI

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine.

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 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX I was contacted by Hunter Warfield to request payment based on the move out calculation provided by XXXX XXXX XXXX XXXX XXXX. I advised Hunter Warfield that I was waiting on Goal Properties to provide me with the final amount that was due. I advised Hunter that I sent a response to their demand for payment. Hunter Warfield requested that I provide them with a duplicate of the demand via their website. On the same day of the call, I sent an email to Hunter Warfield to demand proof of the debt.

I advised Hunter Warfied in my letter of the followi
ng : On XX/XX/XXXX I was contacted by Hunter Warfield to request payment of {$3600.00}. The agent advised Hunter Warfield followed with the Property Manager in XXXX and the Property Manger confirmed the amount of {$3600.00} was the correct amount. 


Hunter Warfield is making demand for the initial move out calculation amount of XXXX on behalf of XXXX XXXX XX/XX/XXXX However, XXXX XXXX confirmed via email the amount of XXXX would be decreased based on information that I provided to them. The information that was provided provided support for why specific charges shold be removed or decreased. To date, XXXX XXXX has not provided confirmation of the final that would be due once the agreed charges were removed/decreased. As a result, Hunter Warfield is making a demand for the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: WI

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine. I strongly urge the company to remove it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX disputing XXXX that is being posted on my credit report, by XXXX XXXX and XXXX. The credit Card was issued to me by XXXX XXXX. who takes care of XXXX. This amount is XXXX. All I asked for is an itemized list of products that I Am supposed to have purchased. Without the list, the purchases can not be true. Prove me wrong? XXXX XXXX XXXX are the ones who purchshed this bogas debt. XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
There is a debt collection company by the name of SECURITY CREDIT SERVICES reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. The debt collection company is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is also giving off implications that they may be an attorney. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TN

Complaint narrative:
I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didnt enroll or apply for this. This is a violation of my consumer rights under XXXX XXXX XXXX. I never gave consent to this being reported, therefore it is identity theft and under XXXX XXXX XXXX and per XXXX XXXX XXXX XXXX item identified as identity theft must be deleted and blocked. 

SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TN

Complaint narrative:
I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didnt enroll or apply for this. This is a violation of my consumer rights under XXXX XXXX XXXX. I never gave consent to this being reported, therefore it is identity theft and under XXXX XXXX XXXX and per XXXX XXXX XXXX XXXX item identified as identity theft must be deleted and blocked. 

SEE ATTACHMENTS

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 2024-02-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Inaccurate accounts, reporting on my credit report

Company response to consumer: Closed with explanation