vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a notice in my Chase message online account that there was a request to recall a wire transaction which was deposited on XX/XX/XXXX. After reviewing the transaction, I responded denying the recall as this was a valid transaction for a customer purchasing an engine and we had already sent the product. I did not receive a response from Chase. On XX/XX/XXXX I learned my account had been frozen, I called into Chase and they told me it was frozen due to this transaction. I spoke to the Treasury department who said they did get my repsonse and they denied the recall and the case was closed on their end. The freeze is from another department, however this department does not have a contact phone number and they only reach out to you, you can not contact them. I was asked if the transaction was valid, I answered yes and explained what is was for. I was told to bring paperwork into a branch, yet not informed what this paperwork was, they just said anything to show the transaction was valid. At this time, i had already been in contact with the customer whos bank had placed the recall, which was done in error as the product had already been shipped. The customers bank XXXX XXXX XXXX XXXX had withdrawn the recall, although Chase stated they have not received this. Being without any contact information for this department i Had no number to give to XXXX XXXX XXXX XXXX in order for them to contact Chase. To date nobody from chase has contacted me, nor did they prior to this freeze, and they have frozen more much more than just this transaction and have caused major financial harm by denying withdrawals and checks have bounced. How this has happened i am not sure, as they have continued to keep the account frozen ever after XXXX has withdrawn. I am requesting immediate release of this account which has been frozen without cause of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AZ

Complaint narrative:
I requested a free credit report from Transunion XX/XX/XXXX. This report shows loan balances related to XXXX. An account inquiry at XXXX show balances of XXXX on all accounts XX/XX/XXXX. The Transunion credit report indicates that XXXX information was last updated XX/XX/XXXX. 
XXXX states that they are sending updated information to credit bureaus on a monthly basis. This is not occurring.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Good afternoon, I am reviewing my credit report and I keep seeing soft pulls every single day from credit karma, I do not have a credit karma and I didnt authorize any soft pulls and I am confused why this is being done everyday without my authorization or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: Chime Financial Inc
State: UT

Complaint narrative:
I disputed unauthorized cash app transactions that were being sent from my account in a months span and it was over {$500.00} worth and they reviewed it for maybe a couple of hours and instantly denied every transaction i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
letter sent XXXX  testing multiple collections
letter sent XXXX testing multiple collections

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 2024-01-23 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: FL

Complaint narrative:
letter sent XXXX   testing multiple collections
letter sent XXXX testing multiple collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Can not get through to Transunion on their line, XXXX to report their apparent mistake. An endless series of recorded ads for such services as insurance, devices, etc. can not be avoided or escaped from no matter how you reply.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with a promotional offer from Chase Bank. I received a personalized offer in the mail in XX/XX/2023, promising a {$300.00} bonus upon opening a Total Checking account and making a {$500.00} deposit. 

I opened the account on XX/XX/2023, utilizing the provided coupon code. However, during the process, I received a notification stating, " Your account was opened, but were having trouble applying your offer. Well send you an email once its applied. '' Unfortunately, I never received the expected email confirmation. 

A few days later in early XXXX, I contacted Chase, and a representative manually entered the coupon code, assuring me that the issue was resolved. 

I then made the required {$500.00} deposit around XX/XX/XXXX and waited for the promised bonus. To my disappointment, after 15 business days, I had not received the bonus. 

Upon contacting Chase in early XXXX, I was informed that the coupon code had never been applied. Despite providing the code again, the Chase representative suggested ineligibility due to a previous Chase checking account. I would like to note that I closed this account over three years ago, and the terms state in their fine print indicate that the checking bonus is available every two years from the last coupon enrollment. I then spoke with a manager who I believe agreed I am eligible, and filed a a claim directly with Chase for a 72 hour response, but to date, I have not received any communication from them, and it has been nearly two weeks since filing the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 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: MI

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.

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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I request that the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed.

3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future.

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done.

I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
it was removed and now its back on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: CT

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 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 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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on for them to report to 3 credit bureas. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. Due to them reporting this late payment i have been denied credit cards, car and house loan and I am about to be homeless. I have not been late since i got the account with them. They have made an error in reporting the account late i have been on time. They have defamed my character and I have to go to therapy due to them stopping my lively hood of me being denied credit from every creditor because they see this late payment reporting. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1986 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1986 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: OR

Complaint narrative:
Dish network installed a dish, on the side of my house and I explain to them that I am a XXXX veteran and I can not remove the dish off the side of my house. They need to bring a technician out here and they refused to now theyre trying to charge me in collections for the equipment I keep telling them over and over again that they need to pick it up because I cant get it down. I am XXXX XXXX XXXX and disabled. I cant climb a ladder and I cant get the dish off my roof but they keep refusing to come and get the equipment so I am in a state of dilemma, and they know it because Ive told them over and over again and now theyre trying to take me to collections to charge me for the equipment. All they have to do is come and take the dish off the roof in the equipment is already in a box. The person only Hass to come and pick it up, but they refuse

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 2024-01-23 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: TX

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 


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
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
I NOTICED UNAUTHORIZED HAD INQUIRES ON MY REPORT I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY 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 2024-01-23 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
On or about XX/XX/2023, my debit card was hacked and my account was charged 10 times in one day ( total charges {$2300.00} ). All the charges were made without my authorization to a " XXXX XXXX XXXX  '', which I have no affiliation with, nor did I ever make any transactions with this bank in the past. 

In XXXX of XXXX, when I was working on my taxes, I suddenly discovered the fraudulent transactions on my account and immediately contacted PayPal. I opened a dispute claim for each of the transactions. However, PayPal denied my reimbursement request, claiming I filed the dispute beyond the 180-day time frame. 

Paypal prides itself on its fraud detection abilities. They state, " Stop fraud early with free real-time alerts '', and " We monitor your cards 24/7 and notify you of early signs of fraud others might miss ''. 

Despite the above, PayPal never notified me ( by text or otherwise ) or warned me, despite 10 charges ( ranging from {$25.00} to over {$400.00} each ) in one day, and despite the fact that I never had any affiliation with the company. 

Because of PayPal negligence and the fact that they failed to notify me about the possible fraud, I had no way of knowing I was defrauded. 

It's true that I contacted them beyond the 180 days time-frame, but it is only because Paypal failed to : 1. monitor my account. and, 2. Contact me, as they were supposed to. Therefore ; 1. Paypal bears full responsibility for my late notification to them.

2. They should be responsible for the losses that I suffered as a result of their negligence ( not notifying me ).

3. Because of their negligence and failure to notify me, they should not use the 180 days time-frame as an excuse not to reimburse me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: GA

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXXXXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation