vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was racially discriminated against by Chase Bank. A friend of mine recommended the Bank to me Who is XXXX he told me that he got a credit card opened up in XXXX direct deposit credit score was bad. He received the credit card I a month later applied at Chase bank opened up an XXXX direct deposit apply for a credit card with a XXXX credit Credit score the XXXX woman who assist me so I should have no problem getting the credit card. I also spoke to a supervisor who said I dont see anything wrong that she wouldnt get a credit card. Perhaps you should apply for a less credit card, which I did and was still rejected for no reason but vague this is nothing more than discrimination against XXXX  Denying us. Credit is denying me my rights as an XXXX. I have filed a formal complaint with Chase Bank. XXXX XXXX XXXX XXXX XXXX And Im following the complaint with you, Chase. Bank seems to have a history of racism as Ive done research to find. 
XXXX player XXXX XXXX discusses his allegation of facing racism at JPMorgan Chase. 
Chase Bank is accused of refusing to cash a doctors check because she was a XXXX woman. XXXX XXXX XXXX XXXX reports on how lawmakers are working to address the issue as it garners massive social media attention under the hashtag " XXXX XXXX XXXXXXXX. '' Subscribe to XXXX XXXX : Colorado woman is suing JPMorgan Chase, claiming XXXX discrimination at an XXXX branch. She shared her side of the story with XXXX 's XXXX XXXX. 

ETC I am also in this line of discrimination by living in a country that is so unequally yoked that I have to go to the same people that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-06-12 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:
I am writing to formally request the removal of unauthorized credit inquiries on my name that occurred between the dates of XXXX and XX/XX/year>. These inquiries were not authorized by me, and I have attempted to dispute them with the credit bureaus to no avail. 

I have worked diligently to maintain a good credit standing and these unauthorized inquiries are negatively impacting my ability to obtain new credit. It is crucial that these unapproved inquiries are promptly removed from my credit report to prevent any further harm to my financial reputation. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized inquiries removed from my credit report within 30 days. I trust that you will handle this matter swiftly and efficiently to rectify this issue. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these unauthorized inquiries from my credit report. 

Sincerely, 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 2024-06-12 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: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized credit inquiries on my name that occurred between the dates of XXXX and XX/XX/2024. These inquiries were not authorized by me, and I have attempted to dispute them with the credit bureaus to no avail. 

I have worked diligently to maintain a good credit standing and these unauthorized inquiries are negatively impacting my ability to obtain new credit. It is crucial that these unapproved inquiries are promptly removed from my credit report to prevent any further harm to my financial reputation. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized inquiries removed from my credit report within 30 days. I trust that you will handle this matter swiftly and efficiently to rectify this issue. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these unauthorized inquiries from my credit report. 

Sincerely, 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 2024-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: GA

Complaint narrative:
I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my 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 non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX and TransUnion are both reporting erroneous information regarding my mortgage loan with XXXX. XXXX and TransUnion FAILED to report the correct balance and its status, stating that the balance has increased ; when in fact, the balance has done the opposite. The balance has actually decreased. This moronic reporting has resulted in a XXXX point decrease of my credit score. I want this smartly corrected.

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 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My business account, under the name XXXX XXXX XXXX, was closed recently without any stated reason. 

When I reached out to inquire about the cause, I was informed that no specific reason could be provided. This lack of transparency is unacceptable and has caused significant inconvenience to my business operations. 

I kindly request an immediate explanation for the account closure and seek guidance on the necessary steps to resolve this issue promptly.

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 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We are living in times where I feel that regulators are watching but not really taking action. 

It's past time for Citizens Bank to receive a big fine. Let 's wake up to make the bank fix it? 

Another mailer sent directly to me ( name and address ) with a promotion to open a checking account. 

Just like in complaint XXXX, this new promo code also shows up as invalid after entering ALL my information. Initially the website accepts it, but after providing all my information including SSN, it says the promo code is invalid. 
Citizen 's reply to the previous complaint was simply absurd, saying the promo code was applied. Of course it wasn't, how am I going to continue the application when the systems tells me that the offer is invalid. 

New mailer and website screenshot attached. 

So why their website is showing it as invalid, and inviting me to continue to open the account without any promo code attached? Very convenient for the bank to allow you to be a new customer and not pay the bonus. 

I consider this to be a scam by Citizens Bank. 

It is FRUSTRATING to see regulators allowing this repeated offense. 
I need to use all caps : PLEASE, PLEASE, PLEASE wake up and show Citizens they can't be that careless or scammers. It's your country, don't you want to make irresponsible businesses like Citizens to either fix their problems, or shutdown? You won't help the country get better if you keep allowing irresponsible banks to operate like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX account : XXXX. XXXX. XXXX XXXX XXXX. : I had gotten beat up and robbed in a alley on XX/XX/XXXX and when I contacted chime they said they would help dispute and get my funds back. But instead charged me XXXX on my credit account and they have been doing transfers with no notification like I said through mail and again I call and they denied any info about the dispute that I gave them I want to get help please IM XXXX struggling with no money now homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: VA

Complaint narrative:
I paid {$320.00} USD to send my husband in XXXX XXXX XXXX on XX/XX/XXXX via electronic transfer using World Remit 's app. As of today, XX/XX/year>, he has still not received the funds despite World Remit fraudulently marking the transaction as delivered days ago. I have contacted them several times and sent them the documentation from his bank stating that the bank has not received the funds due from the XXXX XXXX  because there has been no response from the initiating bank to verify the transfer. I have reached out to them 5 times now with no response. The agents I chatted with just keep saying that they will get back to me, but their 3rd party partner is saying they sent the money. I have chatted with them 3 times, called customer service, and sent an email with the proof from my husband 's bank to no avail. 

My husband 's bank, XXXX XXXX, provided the actual receipt from the Clearing Transactions Tracking System that showed it has not been released to the bank and has been just sitting for almost a week. I attached the transaction receipts showing the money sitting waiting to be released to the bank dated XX/XX/year> and XX/XX/year> XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-12 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: DC

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

Account Name XXXX XXXX Account NumberXXXXXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-06-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
It seems FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the reporting, amounts, and dates of some listed 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 explanation
Consumer complaint received 2024-06-12 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: GA

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

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: World Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: MD

Complaint narrative:
I am writing to bring to your attention to an issue with the reporting of late payments, collections, and repossessions on my credit report by TransUnion. According to my credit report from TransUnion, there are 23 late payments that are showing as over 60 days late, 2 collections,14 Hard Inquiries, 1 repossession. These entries are inaccurate and in violation of consumer protection laws.

Late Payments : XXXX  ( ALL ) XXXXXXXX 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 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

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