vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2024, Chase Bank restricted access to my accounts without providing a valid reason. Upon contacting customer service, I was instructed to visit a Chase branch with two forms of ID to resolve the issue. On Monday, XX/XX/2024, I visited the branch with my identification and my debit card. The banker assisted by calling customer service, and I clarified that I had no fraudulent activity or other issues with my account. Despite this, I was informed by the customer service representative that the debit card department refused to lift the restriction on my account. 

Instead of resolving the issue, I was forced to open a new account to transfer my funds, creating significant distress and inconvenience. Changing account numbers and debit cards has impacted my financial management and caused delays in access to my funds. 

However, on XX/XX/2024, I received another email from Chase informing me that my newly opened account had also been restricted, and I was asked to contact customer service once again. When I called, I was told that Chase had decided to close my account entirely, yet they refused to provide any valid reason for this decision. 

I have been a loyal customer of Chase, have maintained my accounts in good standing, and have never had an overdraft or violated any terms of my account relationship with Chase. Despite this, my accounts were restricted without cause, and now my account is closed, and I no longer have access to my funds. Chase continues to hold my money while my account remains restricted, causing severe financial strain and emotional distress. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently checked my credit report online and notice a address on file that i never resided at and a mortgage loan by XXXXXXXX XXXX in the amount of $ XXXXWhich I do not recognize upon reviewing the informed I did notice it was open around the time my wallet was lost with all my information in XXXX. I contacted this company to inform them of the fraudulent active as well as the police and i was advised by the police to file a complaint online which i did. the company XXXXXXXX XXXX advised me someone would give me a call regarding this matter on XX/XX/XXXX that has not happened as of yet.

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 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I filed bk XXXX  XXXX and the case was discharge. I called PNC on XX/XX/2024 when I found out that even after discharge the payment are not being reported to the credit agency. The representative informed me to write a letter, send it certified mail to their credit bureau investigation which I did asking them to report the status and payments history on the auto loan with account number XXXX to the credit bureau agencies. They replied back to me on XX/XX/2024 that they elected not to report accounts that had a bankruptcy filing. Before, during and after bankruptcy the payments all always being made on time. The Reaffirmation agreement was certified by a bankruptcy attorney and a judge. As a result Im still responsable for the debt and since Im continue in contract, reporting to the credit bureau agencies should be continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
An unauthorized inquiry I received on my credit report that I did not authorize. That is fraudulent activity. 

Prosper  XXXX - XX/XX/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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WV

Complaint narrative:
My identity has been stolen. There is a man renting apartments and other rental places all over XXXX Virginia. Sometimes multiple apartments at the same place. I have received and disputed several of these collections that were reversed in my favor due to the WV state police report. They have a copy of the fake id being used that has my first and last name on it, but not my other names or suffix. It has very old addresses of mine to which I havent lived at in years. This has been going on for close to two years. The suspects name is XXXX XXXX XXXX. I have uploaded an old mug shot, the FAKE ID and the police 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am in total disagreement with Experians investigation response. The incorrect items listed below still appear on my credit report, XXXX XXXX Acct number XXXX XXXX XXXX acct number XXXX even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. As theyre reporting a collection account with a past due balance, that I have no knowledge of nor am I in any contract with this company. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The days you contacted the furnishers of this information and the method of communication used. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. Also in accordance to the fair credit reporting act 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 egency can not fmish a account without my writen instructions.

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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: WA

Complaint narrative:
On XX/XX/year> at around XXXX, I transferred {$1500.00} to XXXX  using sendwave. 48hrs the transaction is stating PROCESSING. 
Sendwave have very poor way of communication. Their customer care number given never gets through. I took along time before I knew what's going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Most of my available money is tied up in online banking with Ally Bank. They used to be reachable by phone, now they won't pick up when you call. You have to wait for a call back. Their website says it will be a 1 minute wait. I tried to speak a week ago with them, it took 48 hours for a call back, I missed the call because it was a sunday at XXXX. This is a problem, I need to be able to speak with someone. They locked me out of my account because I tried to login from several places -- I have linked accounts to an investment account and a budgeting app. I haven't changed my password, and haven't had issues until recently. Their system is messed up. This shouldn't affect my ability to access my money but it is. This is a problem, my mortgage payment comes out of one of my account with them. This is a HUGE problem.

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 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
This was in reference to the XXXX, home internet product which was opened, never used, I promptly returned it back to the store at XXXX XXXX XXXX XXXX New Jersey and I was told by the store representative that there will be no charge for the product since it was never activated, never used and it was returned promptly 3 days after purchase, well withing the 7 days return period. Few days after returning the product the store closed down. However, unknown to me XXXX  continue to charge me despite that I no longer have their product. I complained to XXXX, but they kept charging me anyway later they closed the account after 3 months and send me a fraudulent {$560.00}. This a fraudulent bill that I am not responsible to for, hence the reason why I am putting the complaint to CFPB since XXXX have refused to delete this charge off my credit report and they kept sending me Bills. Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I was stunned to discover inaccurate accounts on my credit report, and Im at a complete loss as to how they got there. I routinely check my credit report, but this time, out of the blue, there were mistakes. I thought it might be a browser glitch, so I refreshed the page, but nothing changedthe errors remained. Given the situation, Im asking for a thorough check of the documents Ive submitted to ensure I never have to worry about this again.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX has unilaterally changed its XXXX investment program so that members whose XXXX cash was in the existing XXXX XXXX account forcibly had their money transferred to XXXX XXXX inferior proprietary system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX balance of this account is wrong.Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX account information is being reported inaccurately on my report.Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit. Now this new agency that has invalid and incorrect info on me is collecting it.spoke with representative today that validate an old address as the address that they were contacting me at. Which I havent been at that address in almost 4years. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained zero responsibility of the debt since day one. This item was removed from my credit previously and should be removed and remain off my credit as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on and handled by multiple parties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Blocked my account for fraud for a paycheck I got from work department of children and families.. which I clarified on twice they decided to still close my account and Im not able to access my money and thats my only money they said I can go to the bank to get the money if needed sooner because it takes 60days which I did and the bank said they cant give me.. I already called and clarify that its a legit paycheck. And I just need my money

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report aXXXX XXXX  The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported 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