vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX I enacted a living revocable trust as part of my estate planning process. I therefore submitted my certificate of trust in person to JP Morgan Chase 's local branch ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ) on Saturday, XX/XX/XXXX at XXXXXXXX XXXX XXXX  with JPMC private banker XXXX XXXX. He took down our proof of identity and certificate of trust documents to move forward with the conversion of our JPMC checking account from personal ownership to trust ownership. For reasons I don't pretend to understand, this request was denied unless additional trust documents were submitted. The original ask was for the entire trust to be disclosed, which I and my husband had specifically been instructed by my lawyer not to turn over to any outside parties for any reason. Another reason I was suspicious - my lawyer had asked to be forwarded the rejection email from JPMC with the request for additional information, which JPMC has inexplicably refused to do. I therefore declined to request and asked to speak to the branch manager XXXX. I had to wait until Thursday XX/XX/XXXX for her to return from PTO. I then went back to the branch on Thursday XX/XX/XXXX and specifically turned over Section 3 of my trust which further enumerated Rights and Powers of Settlors. However, JPMC has continued to spin their wheels and continues to ask for the entire trust as of XXXX  XX/XX/XXXX and again on XXXX  XX/XX/XXXX despite the fact that I have already fulfilled their specific request as confirmed by branch manager XXXX. I have therefore submitted this formal CFPB complaint so that regulatory intervention will require JPMC to fulfill their outstanding fiduciary responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TN

Complaint narrative:
According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TN

Complaint narrative:
According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments

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 2024-05-30 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be 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 explanation
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
My account contains multiple inquiries that aren't associated with me. I've attached a proper dispute below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Lendmark Financial Services
State: MD

Complaint narrative:
According to XXXX XXXX and XXXX XXXX, with the legal department at LENDMARK XXXX once the settlement was paid, my credit report would be updated to, PAID CHARGE OFF, which was PAID for less than the full balance owed!! ( SEE ATTACHMENT DATED XX/XX/XXXX ). Unfortunately, as of today XX/XX/XXXX LENDMARK has intentionally manipulated the update to sabotage me. 

NOTE : XXXX and XXXX updated a month ago. XXXX, is the most unscrupulous reporting agency. XXXX the regional LENDMARK XXXX told me, WE ONLY WORK WITH XXXX! So, XXXX clear he meant XXXX condones the manipulation of scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I did not authorize or I do not recognize credit inquiry on my credit report : Aspire- XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: AL

Complaint narrative:
Can you update my address and name on 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I took a debt consolidation loan out from XXXXXXXX XXXX  on XX/XX/year> for XXXX. Loan was approved. Part of the condition of the loan was they would pay my 2 credit cards off directly. XXXX XXXXe was paid off but the second payment for my Apple Card for XXXX was sent to XXXX, they claim they never received it but the check has been cashed by apple-per XXXX XXXXXXXX. I have been calling BOTH creditors for 17 days. They each keep referring me back to the other, with NO resolution. Payment had the last 4 of my account and my name to reference. I provided the specific amount of my payment and they told me it would take up to 10 more Business days to research! A month to locate a payment is ridiculous! 
Consumers needs rights and clear deadlines for creditors to be held accountable for lost payments especially when its costing the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I noticed a few fraudulent charges in my account, I immediately reached out to WellsFargo regarding this issue I explained everything to the claims department representative an also offered to provide my work schedule showing I couldnt have made the fraudulent charges due to me being at work however the the claims representative told me it was ok and filed the claim for me and provided me with a provisional claim. XXXX days ago WELLSFARGO took {$1600.00} out of my account not even leaving me with enough money to pay my bills I reached out to them and the claims representative was very ignorant am told me that I made the fraudulent transactions or gave my card to someone to make the transactions I explained to them that, thats simply isnt true and asked to speak with a supervisor the representative told me no I asked if the claim could be reopened an if I could send in verifiable evidence showing that I did not make the transactions I was told no and that the claim was closed indefinitely! I will be filing additional complaints against WELLSFARGO as well as closing all accounts this was a terrifying experience. I will be adding the claim number below 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 2024-05-30 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion keeps sending me documentation stating they can not verify my address. Every time i send in a dispute the XXXX XXXX  with this address request which has nothing to do with my dispute. I have attached XXXX different bank statements with copies of my ID. The show my current and only address that should be on file.

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 2024-05-30 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: WI

Complaint narrative:
Indefinite block on report for me online cant access anything. Also score dropped XXXX pts in XXXX day for a decrease in a balance for a credit card keep telling me to call plus fiance i called them they say to call transunion. The drop was due to a decrease in my balance??? Doesnt make sense. All other bureaus went up. Score not correct wont change and cant access anything in line.

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 2024-05-30 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: GA

Complaint narrative:
In accordance with the FCRA this creditor XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights under : 15 USC 1681 Section 602 which states that I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly under 15 USC 1666b a creditor may not treat a payment on a credit account on an open-ended consumer credit plan as late

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 2024-05-30 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: MO

Complaint narrative:
cant acess my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo has denied my claim twice saying that the transactions amounting to XXXX that were taken from my account were authorized when they were not. The money was part of my retirement and was depleted in a matter of weeks. The money was sent to a XXXX XXXX account that is not mine. I have not used XXXX XXXX in over a year. I was blocked from my online access to my account after Wells Fargo deemed 2 transactions by XXXX suspicious, transactions I did authorize. Wells Fargo then proceeded to allow dozens of other transactions to go through, sometimes just minutes apart, until my account was completely empty. I was sent no notifications during any of this and was unaware any of it was even happening. 
When my claim was denied the 1st time I filed again. Wells Fargo then called a family protection investigator to my home to see if I was being exploited. The very next day they denied my claim again. This has been handled very poorly by Wells Fargo. I did not authorize the transactions. I do not use XXXX XXXX. I'm supposed to be protected from this happening by my bank but they failed at every turn.

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 2024-05-30 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX / Account number 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 2024-05-30 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX / Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-05-30 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: IL

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

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 2024-05-30 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: IL

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

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 2024-05-30 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-05-30 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO BANK IS SHOWING AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT. I REACH OUT TO XXXX AND THEY ADVISED ME TO CONTACT THEM DIRECTLY, SIMPLY ASKING FOR REMOVAL OF INQUIRY.

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 2024-05-30 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: NE

Complaint narrative:
i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

XXXXXXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief