vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their failure to update my account balance and their unjust demand for payment following a refund issued by a seller. This situation has resulted in financial discrepancies and has caused me significant distress. 

I conducted a transaction using my Chase Bank debit card. Subsequently, the seller initiated a refund due to However, despite the refund being processed, Chase Bank failed to update my account balance accordingly. 

Furthermore, even after acknowledging the refund, Chase Bank continued to demand payment for the original transaction amount, effectively attempting to extort funds from me. This blatant disregard for accurate account information and the subsequent attempt to coerce additional payments constitute unethical behavior on the part of Chase Bank. 

I have attempted to resolve this matter directly with Chase Bank through multiple channels, but their response has been inadequate and dismissive. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that appropriate action is taken to rectify the situation. 

I urge the CFPB to investigate this complaint promptly and take necessary measures to hold Chase Bank accountable for their actions. Your assistance in resolving this matter is greatly appreciated. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
I noticed unauthorized inquiries on my credit report. Someone must have applied for something in my name. I contacted the company and they have no record of the application or inquiries. According to the Fair Credit Reporting Act, legally these unverified and unauthorized inquiries must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
I noticed unauthorized inquiries on my credit report. Someone must have applied for something in my name. I contacted the company and they have no record of the application or inquiries. According to the Fair Credit Reporting Act, legally these unverified and unauthorized inquiries must be deleted.

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 2024-03-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXX, I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several inquires including XXXX XXXX XXXX XXXX XXXX the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated therefore the collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

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 non-monetary relief
Consumer complaint received 2024-03-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXXXXXX I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several inquires including XXXX XXXX XXXX XXXX XXXX, the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated XXXX XXXX collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: UMB FINANCIAL CORPORATION
State: WA

Complaint narrative:
Fraudulent acct approved and opened without my knowledge with criminally obtained information, I never received any inquiries from this company regarding any application Received a VISA Signature Bullion card that I did not apply for or open XX/XX/24 I called and spoke to XXXX ( sp ) in customer service and she told me she would pass the FRAUD information on to their RISK XXXX department I have not heard form them in any form since this conversation Through your complicancy of any concern for fraud you have failed an innocent person by allowing identity theft to thrive within your company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: DE

Complaint narrative:
I am writing this to tell Equifax to update inaccurate late payments on credit report and it shall be marked as ok and or never late. Account name : XXXX XXXX Account # XXXX The month of XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 All shall be marked as Ok and or paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: LEXISNEXIS
State: CA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XX/XX/2024 SANTANDER CONSUMER USA Re : Account number : SAVINGS ACCT XXXX AND CHECKING ACCT XXXX To Whom It May Concern : I am aware that I have an outstanding balance with your company. This letter serves as an offer to settle the debt for a CORRECT amount. I can only afford to pay this debt. 
I understand that you may also have motivation to work with me, considering the age of the deb. Refusing to cooperate will only worsen the situation for both parties.

You claim that the amount owed on both accounts is {$800.00}. I propose a good faith offer to reduce the 8 returned fees on account.

The parties involved agree to settle the account in its entirety for the sum of {$520.00} and accept this amount as the final and complete payment for the debt. Once the agreed amount is paid, a full discharge and settlement of all outstanding monies will be executed, subject to the following terms : Payment terms : Six monthly payments of {$88.00} due on the XXXX of each month

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: AZ

Complaint narrative:
An individual fraudulently used my social security number to obtain services from XXXX XXXX XXXX XXXX. The company is located in XXXX, Texas. 
I have informed the company about this fraudulent activity. They requested that I file this report. 
The debt appeared on my credit report on XX/XX/year>. Placed there by a company named Credit Control LLC. 
I live in XXXX, Arizona and l have never lived in Texas. 
My social security number has appeared on the dark web.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiriesXXXX 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 explanation
Consumer complaint received 2024-03-11 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had a Southwest Airlines Chase card for several years and have been pleased with their service. However, that is not the case with my issue. One of the benefits my card provides is 4 free Southwest upgrade boarding passes. The marketing material online with Chase and Southwest says it is a yearly benefit. It does not say anywhere online that it starts the day you get the card. This would be an easy change to make by calling it a " card anniversary reward '' but they don't do that and call it a yearly benefit which any prudent person would say that would be XX/XX/XXXX. The company should change this misleading marketing information. 

Regarding my complaint, I purchased 2 upgrading boarding passes on XX/XX/XXXX. That flight ended up getting cancelled. Even though the flight was cancelled, it is considered using the upgraded boarding pass. Again, I can't find this information anywhere and something that should clearly be outlined in marketing materials in a disclaimer/legal notice section.

I purchased 2 upgraded boarding pa
sses. One on XX/XX/XXXX for {$50.00} and one on XXXX for {$50.00}. It is my opinion I should be refunded {$100.00} but the credit card company is refusing to provide it. First, the start date of the benefit is described as yearly and not an anniversary award. Second, I never received the full benefit of the upgraded boarding pass since my flight got cancelled. Minimally, I would expect {$100.00} returned to me. I also feel that I should have the ability to use 2 more upgraded boarding passes in XXXX since the marketing material is not clear that this is an anniversary award.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address 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 non-monetary relief
Consumer complaint received 2024-03-11 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: VA

Complaint narrative:
I did everything I was told to do by equifax and they still have not deleted the requested the information.. I called again on XXXX and Equifax told me there was no number on my ftc report??? so I have to send it in again. im am send all information I sent to equifax. the information i am requestion removed has been removed from XXXX. I will include a updated copy of that report..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights 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 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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My company, XXXX , Inc. has been using WePay, through XXXX, for payment processing since XX/XX/XXXX, the date of the first payment processed. On XX/XX/XXXX, we received an email notifying us that 2 payments ( in the amounts of {$31000.00} and {$3600.00} ) were being withheld, and our account was being closed due to high risk of chargebacks and disputes. We have never had any chargebacks or disputes on the account. We are in good standing with the clients who sent these payments, and they did intend to send them. 

The email notice we received stated that these funds would be held by WePay for 120 days. The only recourse they provided was the option to file an appeal, which we have initiated. 

After receiving this email and initiating an appeal, we researched the company online, and have found many instances of this same practice, often withholding these funds for months at a time. These complaints seem to only be resolved after being reported to some outside body.

Company response to consumer: Closed with explanation