vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, a total of {$130000.00} was wired out of my bank accounts with Chase Bank in New York without my authorization. I never send wires for more than a few XXXX dollars. I was not notified or warned by Chase. Usually they send an email advising when a wire transfer is made. This did not happen. I was the victim of a scam. However, I did not disclose any information as the scammers were already inside my account. All I did was provide a verification code. Chase subsequently closed the online access to my account and I had to set up a new username and password. To my immense horror, Chase had no interest in pursuing a serious investigation. Apparently the other banks who received the funds were also not interested in following up. Chase has insurance, they could reimburse me but they won't. I have no recourse. Their only response were some messages uploaded to my bank account online. The indifference and callousness is glaring. Their flimsy security systems allowed this fraud to occur and now they have no liability? Whatever is in the fine print which, let 's face it, you have to sign if you want to open a bank account, should not PROTECT them from liability. They must refund stolen funds to innocent clients and must devise better protection. They failed to alert me. At the age of XXXX, I have lost a huge amount of money. Further, XXXX, with whom I have had an account for years, is not responding to my CLAIM. I HAVE SPENT HOURS TRYING TO GET THROUGH TO SOMEONE HOW CAN HELP ME TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I did not voluntarily give my information out to the person that got into my bank account. I lost my phone during the time the fraud occurred. I have contacted my bank to do a dispute. I have never sent money to the person that took the money from my account and accessed my information. It was over six transactions ( ( {$1000.00} {$1000.00} {$1000.00} {$1500.00} {$200.00} {$100.00} ). Totally {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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
Consumer complaint received 2024-04-04 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: MA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to DELETE the disputed Account from my credit report as well as REMOVE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA Section 605b it is illgal to report information on my credit report without my permission. I have reach out the Experian Dispute dept and XXXX XXXX # XXXX, XXXX XXXX XXXX. I have sent in documents on my behalf to remove these items completely from my credit report. Experian are reporting incorrect information my credit report. In according the CREDIT REPORT ACT this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 16819section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. I wish to have these account deleted from 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 2024-04-04 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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:
This has been an issue accessing online portal since XX/XX/XXXX. 
XXXX XXXX As of my conversation XX/XX/XXXX, I was told to upload my social and drivers license to the portal in order for the IT department to fix the blocked access. The backend has incorrect information. 
The results said my ID matched. 
My access was not restored. 
On XX/XX/XXXX -XXXX in customer service hung up. I called again spoke to XXXX who escalated again to tech review. She could not unlock the report even though it should be. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I disagree with Experian investigation results. I demand a detailed explanation of the update done on my report on XX/XX/2024. 

As far as i can see on my report nothing has been updated. Also nothing has changed from the errors i see on my report. 

I have a right to demand a detailed description of how they came to the updated conclusion within 15 days of receiving dispute results. 
Please reinvestigate or delete item from my report. 

XXXX XXXX acct # 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 2024-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Debt Busters
State: CA

Complaint narrative:
Debt Busters debt consolidation. Asked for my social, asked me questions to verify my identity. They also requested for a routing and checking account #. I gave them all this information. They would not be upfront on how it would affect credit score and what their monthly fee was until I hmgave them this information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I owner of XXXX XXXX deposited a personal check of XXXX from my client XXXX XXXX into my citizens business money market account. In the branch of XXXX XXXX I got a receipt and was told I would wait for six business days while the check was on hold. The XXXX was my availability date of when the funds will be released the XXXX came about and I went into the bank and I withdrew {$13000.00}. I put XXXX back into my account and wanted to do a wire transfer, had to leave from downtown branch to go XXXX XXXX branch to do this wire transfer the supervisor at XXXX XXXX said she had to get an approval from her supervisor later on that day. My account was under review and my check was put back on an extended hold. It is now XX/XX/year> and I still have no funds and have filed a FDIC and a OCC complaint. It has spoken to the chairman who says they couldnt verify my check with the bank but my client has already contacted their bank and XXXX has said they have already cleared the funds to Citizens XX/XX/XXXX. I have called and got the check verified from a chase verification number and my client has sent proof funds were already taken and I have called Citizens on and off since XX/XX/XXXX not having any resolution. I have also earned interest in this wait

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX OF 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 XXXXXXXX

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 2024-04-04 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: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Pl

ease stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. BANK OF AMERICA XXXXXXXX

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
As of XX/XX/XXXX I paid for Account for milestone as paid in full of XXXX but amount still showing I owe XXXX dollars. Account still showing past due but closed when I paid them the full amount. They are reporting information they want stating account balance is XXXX dollars and not the actual truth of the account paid in full. they go by Concora credit now yet Im still having information reported on my account as if I still have a balance left

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
MY LAST CASE IS XXXX. I WAS TRY TO LET THEM KNOW BUT THEY DIDN'T RESPOND OR DO ANYTHING SO I HAVE TO SET UP A NEW COMPLAIN AGAIN.I USE CREDIT CARD OF CAPITAL ONE ON THE DAY XX/XX/XXXX I GOT CHARGE SOME TRANSACTION I DIDNT KNOW LIKE '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ '' AFTER I CALLED FOR THE BANK THEY SAID WILL SEND FOR ME ANOTHER CARD AND TAKE OUT ALL THAT TRANSACTION. NEXT DAY SOMEONE KEEP HACKING AND CHANGE MY PASSWORD AND PHONE NUMBER IN THERE. I CALLED FOR THE BANK TO LET THEM KNOW I JUST USE XXXX PHONE NUMBER IS XXXX BUT WHY IT SHOW IN THERE THE PHONE NUMBER OF THE HACKER IS ( XXXX ) XXXX AND THEY ADD A XXXX USER NAME XXXX, XXXX, AND XXXX I THOUGH IT FROM THE BANK LOG IN TO HELP ME FIX THIS FRAUD TRANSACTION BUT THEN THEY KEEP CHARGING MY CARD BY USE THAT PHONE NUMBER TO VERIFY THE VISUAL CARD. THEY KEEP ADD ACCOUNT IN XXXX PAY AND XXXX AND THE LINK APPS. I TRIED CALLED THE BANK ALOT OF TIME XXXX TIMES A DAY BUT THEY KEEP HACKING BACK FROM XX/XX/XXXX UNTIL XX/XX/XXXX IT MAKE ME SO STRESSFUL SO I DECIDED TO CLOSE THE BANK. BUT AFTER I CLOSED IT TODAY XX/XX/XXXX THE BANK TOLD ME THOES CHARGE STICK WITH SOME USER RELATIVE TO ME SO THEY WILL CHARGE ME. I CALLED THEM TO DONT LET ANYBODY LOG IN MY ACCOUNT OR CHANGE PASSWORD OR MY PHONE NUMBER. BUT THE BANK KEEP CHANGE FOR THEM OVER XXXX EVERYSINGLE DAY. THEY JIUST CHANGED CARD NUMBER XXXX BUT IT NOT WORK BECAUSE THE HACKER JUST GIVE FOR THEM MY SOCIAL NUMBER THE BANK KEEP CHANGE MY ACCOUNT EVEN I VERIFIED MY ID WITH THEM XXXX ALREADY AND TOOK PICTURE DETAIL AND ADDRESS. THE SECURITY OF THE BANK REALLY BAD. I GOT HACKED AFTER I SHARE THE LINK CAPITAL ONE FOR MY FRIEND TO APPLY. AFTER THAT XXXX I GOT HACKED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company TransUnion is a fraud.. its not a credit report site.. out of the their hidden suppose XXXX XXXX monthly fee.. they took a total of {$87.00} from me from just signing up.. i tried to talk to one of the agents but they took me in circles along with their glitchy login website.. So I'm basically locked out their website where they can do whatever they want with the information they have on my credit card and who knows what they can do to my identity.. because my SSN is with them.. i never even got an email account verification from them either..

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX  - CARD SERVICE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 explanation