vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
Dear Sir or Madam, I am filing this complaint to address significant issues with Chase 's handling of my XXXX XXXX XXXX credit card application ( Reference Number : XXXX ). Below is a detailed summary : Failure to Process Verification : My credit card application was initially declined due to an alleged risk of identity theft. Despite my attempts to resolve this issue through multiple calls and inquiries, and finally going through the whole verification process, Chase failed to process my verification despite assuring me that the verification process was successfully completed.

Moreover, Chase later claimed they could not find records of these calls. This raises serious concerns about their record-keeping practices, a lack of thorough investigationor possibly even dishonesty in handling my multiple inquiries. 

Application Expired Due to Chases Errors : My application expired on XX/XX/year>, due to Chase 's delays and mishandling, effectively denying me a fair chance to complete the process. 

Failure to Reopen The Application : Chase refused to reconsider or reopen the application. Ultimately, the resolution was to suggest reapplying, despite acknowledging the inconvenience caused. 

Inadequate and XXXX Customer Service and Complaint Handling : Chase 's Executive Office - script-read - voicemail ( XXXX XXXX, XXXX  ) and written responses failed to offer meaningful solutions or compensation. 

How This Has Affected Me : I was denied access to the credit card despite fulfilling all application requirements which impacted my business negatively. 
The back-and-forth caused unnecessary stress, time loss, and damage to my financial plans and credit inquiries.

Resolution Sought : A thorough investigation into Chases mishandling of my application.

Reopening and Completion of the Credit Card Application. Compensation for the inconvenience caused, including coverage for any negative impact on my business or credit score.

Assurance that Chase will implement better verification and complaint handling practices to avoid this in the future.

Supporting Documents : I have attached : - A copy of Chase 's correspondence regarding the declined application ( dated XXXX XXXX, XXXX  ). 
- Voicemail transcript summarizing the Executive Offices investigation ( XXXX XXXX, XXXX  ). 
- Relevant reference numbers and call logs. 

I hope the CFPB can assist in holding Chase accountable and ensuring better consumer protections for such situations. 

XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-20 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-20 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: RI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: RI

Complaint narrative:
I contacted Transunion in the middle of XX/XX/year> to update the XXXX Account XXXX. Transunion has refused to investigate this and has closed each dispute I've entered without investigating. XXXX has updated my report to show paid in full and closed with a XXXX balance. This account was paid in full and closed on XX/XX/year>. XXXX took over the servicing of all XXXX accounts. Attached is proof account is paid in full along with a letter from XXXX stating this and screenshots from XXXX showing it's paid in full and the full account history. I will contact a lawyer and seek further action if not resolved.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been a premium/paying user of the Coinbase platform for over 5 years. I used their service to securely invest in cryptocurrencies such as Bitcoin. On XX/XX/year> I noticed all of a sudden my account which contained over {$12000.00} at the time in investments, was suspended when I attempted to login. 

I was not notified of any reason why this happened. I had validated my identity in the past using my license and passport. I can not think of anything I did to disobey their terms of service. I had filed a support ticket over 5 times since then and have not received any clear response or pathway to resolution. Their support team continually closes out the tickets without any path forward. It has now been over 5 months and I am unable to access my investment funds which is expected to have grown significantly since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
XXXX XXXX During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. And According Act XXXX & TransUnion Has Violated My Rights Under 15 USC 1681 602A States That I Have Have A Right To Privacy. So Why Are They Reporting Late Payments From XXXX XXXX  Secured Credit Card That Is An Closed Account

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 2024-12-20 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 have recently discovered that a collection account has been added to my credit report, originating from a XXXX XXXX incident that occurred in XXXX. This issue has only come to my attention now, and after some time, I contacted our attorney who supplied me with all the necessary documentation. 

Despite my efforts to clarify the situation to Equifax on four separate occasions, I want to reiterate that I am NOT liable for any hospital expenses associated with the accident. The bills also show {$0.00} as the patients responsibility. The responsibility lies with the intoxicated driver and her insurance company. While my name may appear on the documentation due to my involvement, I have provided evidence indicating that the drunk driver and her insurance are accountable for the costs. Consequently, I am perplexed as to why they continue to refuse the removal of this entry from my report. Furthermore, given that this incident is over five years old, I find it puzzling that it has only now surfaced in XXXX. 

I kindly request the removal of this account, as all other credit bureaus have already done. I maintain that I am not responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> we had a house fire. We have been following the process but Wells Fargo insists on holding funds while the XXXX XXXX fire adjuster, inspectors, and contractor have the house at 80 % complete. 

Yesterday we spent two hours with three of us on the call to get the release of the funds as they should with the house at 80 %. Wells Fargo based on money received not using the XXXX XXXX adjuster sheet as they have claimed is not releasing the actual value. 

This has caused contractors to walk off the job, more costs to XXXX XXXX for additional housing, and additional costs for power and water to two properties. We should have been in our house before XXXX and now we are looking at XXXX at the latest. 

This can not continue. They are putting a lot of red tape in the way to get a resolution. We can not contact any decision maker by phone and their steps for resolution cause monthly delays in this house getting back to normal. 

We need this money released and this continues to not only put a hardship in place continues to keep this open wound alive.

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 2024-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. And According Act Experian & XXXX Has Violated My Rights Under 15 USC 1681 602A States That I Have Have A Right To Privacy. So Why Are They Reporting Late Payments From TD Bank Secured Credit Card That Is An Closed Account

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 2024-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I am filing this formal complaint to bring to your attention the egregious violations committed by XXXX, XXXX, XXXX, and other credit reporting agencies ( CRAs ) concerning their refusal to validate the accuracy of an alleged debt negatively impacting my credit report. Despite multiple requests made in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., these agencies have failed to produce an original signed agreement or sufficient documentation substantiating the validity of the debt as required by law.

Violations : Failure to Reinvestigate and Verify Accuracy : Under 15 U.S.C. 1681i ( a ), CRAs are obligated to conduct a reasonable reinvestigation of disputed information. My requests for validation included a demand for an original signed agreement to substantiate the debt. Despite this, the agencies have maintained the disputed account on my credit report without providing adequate evidence, violating their statutory duty to ensure accuracy.

Unlawful Reporting of Inaccurate Information : Section 15 U.S.C. 1681e ( b ) requires CRAs to maintain reasonable procedures to ensure maximum accuracy in consumer reports. Continuing to report unverifiable information contravenes this standard and has materially harmed my creditworthiness.

Failure to Provide Consumer Disclosure : Section 15 U.S.C. 1681g mandates that CRAs disclose all information in a consumers file upon request. Their refusal to provide the requested signed agreement constitutes a blatant disregard for transparency and consumer rights. 

Harm to Me as a Consumer : This unresolved dispute has had a profoundly adverse effect on my creditworthiness. As a result of the CRAs actions, I have been unjustly denied access to credit opportunities, which has caused significant financial and reputational harm. Their refusal to provide proper validation has placed undue burden and stress on me, while unjustly maintaining unverifiable information in my credit file.

Responses ( or lack thereof ) received from these agencies.

Evidence of the negative impact this issue has had on my financial opportunities.

The actions of these credit reporting agencies undermine the principles of fairness, accountability, and transparency that the FCRA seeks to uphold. I trust the CFPB will take swift action to rectify these violations and ensure compliance with consumer protection laws.

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if additional information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
What happened is clear : you failed to fulfill your legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, and your reckless inaccuracies on my credit report have violated my rights as a consumer. 

Unverified Accounts You reported accounts under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without providing verifiable proof that they belong to me. This is a direct violation of 15 U.S. Code 1681i, which mandates that all disputed accounts be thoroughly investigated and verified. 

Inaccurate and Unsubstantiated Collections Collections under XXXX ( XXXX ), Collection ( XXXX, XXXX ), and XXXX XXXX XXXX XXXX XXXX ) lack any evidence of validity. Under 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum possible accuracy in my credit report, but you have failed to do so. 

Unauthorized Hard Inquiry The hard inquiry by XXXX XXXX ( XXXX ) was not authorized. According to 15 U.S. Code 1681b, you may only include inquiries with explicit consumer consent or a permissible purpose. If you can not prove this inquiry was authorized, it must be removed immediately. 

Your failure to verify or ensure the accuracy of these entries demonstrates blatant negligence and noncompliance with the law. 

I demand that you : Provide verifiable proof for all accounts, collections, and inquiries listed above. 
Or immediately remove any entries for which you can not provide documented evidence. 
This lack of compliance has caused harm to my credit profile, and I expect a corrected credit report and written confirmation of the actions taken to resolve these issues. If you fail to address this within the legally required timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies under 15 U.S. Code 1681n for willful violations and 15 U.S. Code 1681o for negligence. 

Respect my rights and handle this matter with the urgency it deserves.

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