vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I did not receive my bonus for opening a Merchant Services account. 
The terms and conditions were that I had to settle {$2000.00} of funds over 5 transactions according to the terms and conditions. 

I contacted Chase Bank customer service in XXXX after I settled over $ XXXX in 5 transactions. The customer service rep directed me to email the representative that opened my account XXXX XXXX. 

I tried to call XXXX multiple times last week and even left a voicemail. XXXX sent me an email describing new terms and conditions. He told me that the Marketing department requires the deposits to be made in different batches ( no language of batches or deposits described in the fine print ) According to the fine print, the requirement was to settle the funds over 5 transactions, there is no mention of batches. 

This is clearly deceptive marketing as the goalposts are being moved after I fulfill the requirement. 

Attached are correspondance and the Bank Fraud that is trying to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and brought illegally because I was a victim of Equifax data breach. I want all my information deleted from my credit report effective immediately. I have proof that Equifax has admitted that I was in fact a victim of this data breach. They haven't done nothing. Please help me to delete illegal accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also 12 hard inquiries. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reopened my XXXX XXXX account and with Chase XX/XX/XXXX due to my first business account being closed without explanation due to my trucks being down and not having any money going into the account. After reopening the account XX/XX/XXXX business picked back up and I actually had someone wanting to buy XXXX trucks all the way from Missouri. Being that the client buying the truck from me was new and he wrote a check I did not agree to have the trucks leave my property until the check cleared. Luckily I did because the checks came back as bad checks and we never heard from the client again. We never attempted to use the money or anything because there was no ill intent on my companies behalf. We found out the check was bad through a letter in the mail from Chase saying that it was stopped. I then made more purchases and deposits because Chase allowed us to and my account was still in good standing. Before this Chase threatened to close my account for not making deposits once again, if dont deposit anything they will close it and if you deposit too much they will close it you can never win with Chase . I then deposited another check for {$22000.00} on XX/XX/XXXX the check was placed on hold until XX/XX/XXXX. I was told that the hold was placed for so long to ensure the check cleared. I was fine with that just as a precaution. The check has cleared just fine and there has been no issue except for Chase wants to hold my money hostage and refuse to tell it to me or back to the company that wrote the check and they closed my account for no reason. XX/XX/XXXX the representative Told me to reopen another business account which I refuse to do because of all the trouble he also told me that he cant send my copies of my bank statements since they closed my accounts which is a lie. By law they cant hold my money and theyve already held onto it longer than allowed. I am a XXXX veteran trying to make a living and they hold my money as if my company doesnt matter. This is unacceptable and they need to return the money to me via check because I will not do business with Chase ever again. This has caused so much emotional stress and financial stress on me and my business is losing out daily due to Chase closing my account and holding my money hostage. We have called multiple times to do the phone verification with them and there has not been an answer yet and they will not allow the company to call directly to verify. This is no excuse for Chase holding the money hostage that has cleared weeks ago. They must do something about this and release my money or send it back. The money is not even collecting interest as they hold it this does not serve us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I lost my chime credit card on or around XX/XX/XXXX  and XX/XX/ My credit card was used at a XXXX multiple times on the XXXX at a pump for the amounts of {$170.00} {$86.00} {$8.00} {$17.00} and also at XXXX  for the amount of XXXX from XXXX till XXXX. After seeing the transaction I call chime to dispute charges and let them no my card was lost I spoke with a supervisor who cancel card and told me the location of charges and advised me to go to the XXXX and try to resolve this my self and I did but the clerk gave me no information and refuse to talk he said he wasnt a manger since then I have provided a police report and also another supervisor advised to send in pictures of the day to show my location which I also provided just for them to keep giving me more task I feel like my money is a lost and Im the victim of fraud.. But its like the bank not taking it serious and its like my money its not protected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
Dear XXXX, XXXX, Equifax I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1995 MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Bankruptcy should report actual courthouse name, filed date and docket number. 

Information are inaccurate, it is reporting inaccurate reference number, Closing date & Courthouse name.

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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Attempted to repay a reduced debt then received a letter that repayment options were lower. Interest continues to compound

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 2024-01-08 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: MA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please note that the recent response from TRANSUNION to the CFPB ( case # XXXX ), is unacceptable The company is ignoring my request, If they are reporting negative information that I did not consent nor given PERMISSIBLE PURPOSE to any of all inquiries on my submitted list with NO proof as of my consumer right by law. If they are not removed immediately I will seek damages through my FCRA attorney for the hurt TRANSUNION have caused me and my family. If you XXXX Company TRANSUNION ) are reporting it on my report they should be held liable, it is your company 's responsibility XXXX TRANSUNION ) to investigate and as I see you are fully in violation in doing so. REMOVE ALL FROM MY REPORT IMMEDIATELY!!!! 
CFPB I'm asking that you hold them accountable to my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX  XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. After multiple attempts to rectify the issue Experian continues to purposely stall. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter. Sincerely,

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX XXXX requested for {$20000.00} to checking account and advance never received. I was also charged an {$800.00} fee. These charges are still on my account. For over a month BOA would not, or could not, say where the money was but eventually found out it was sent to wrong checking account number. I was told I had to contact XXXX XXXX Bank to see where the money was. I did and XXXX XXXX could not provide any info about a checking account number that was not mine and told me BOA had to figure this out. I placed many calls to BOA and they would not advance the call to someone who could help, or provide information on how to resolve. I followed the procedure on BOA 's web site to resolve errors for electronic transfers and sent information by certified mail. They state on their web site they will respond within 10 days of being notified. Today is XXXX and they were " notified '' ( first date they identified what happened and said they would work on it and refund money within 30 days ) on XXXX. They received the letter by certified mail on XXXX. To date there had been no response from BOA. Today I called BOA again to try to see if they are taking steps to resolve this issue and after XXXX minutes on hold was disconnected.

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 2024-01-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violate 15 USC 1681 a ( 2 ) ( A ) ( i ) which states that it is illegal to report transaction history : " 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Also, Fait Credit Reporting Act 15 USC 6805 states that CFPB must enforce it : `` 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. '' I am requesting that above names accounts be updated to the " paid as agreed '' status reporting 0 % Credit Utilization and {$0.00} Reported Credit Balance.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT

Complaint narrative:
Purchased a vehicle from carhop. The vehicle never ran broke down the day I purchased I have been paying they keep telling me Im late for on the vehicle, but I have been paying now they seem to not be answering the phone and will not help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Per 15 USC 1681 FCRA as a federally protected consumer I am intitled to fair and accurate credit reporting. On XX/XX/XXXX I reached out to CREDIT COLLECTION SERVICE concerning a debt of {$98.00} which the original creditor was XXXX XXXX XXXX XXXX. I agreed to pay the debt with specified instructions that CREDIT COLLECTION SERVICE contact all credit reporting agencies reporting the collection on my credit profile and have it updated from a negative collection account to PAID IN FULL or PAYS AS AGREED promptly. As i've continued to monitor my credit profile through XXXX, XXXX AND XXXX the account is still showing as a negative remark in collection after ive given CREDIT COLLECTION SERVICE precise instruction as to the correct and accurate reporting of the account to my credit profile which they fail to perform and is a direct violation to my rights as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I'm a victim of identity theft and have no history with XXXX XXXX. Direct communication with the bank confirms no record of my association. Information suggesting otherwise is inaccurate and tied to fraudulent activities. I'm actively resolving this issue, reported to authorities. Kindly assist in rectifying any erroneous XXXX XXXX-related records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
On XX/XX/23 {$220.00} was taken from my account and paid to XXXX XXXX XXXX XXXX. I contacted the vendor who would only verify that the item ( s ) were not shipped to my address and that the email address connected to the purchase was not mine. Then, I contacted my bank which claimed it was not fraudulent. I called the bank again and requested more information, they stated I would receive it in about 7 days. It never came.

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 2024-01-08 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: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX  XX/XX/2023 FLAGSHIPCRDT- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 FLAGSHIP CREDIT ACCE- XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it XXXX have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.

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 2024-01-08 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXT- XX/XX/2023 SANTANDER CONSUMER USA- XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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