vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, Chase unexpectedly closed my checking and savings accounts without providing a clear explanation. At that time, I was informed that refunds from both accounts would be processed within 10 days, and I should receive the funds within 30 days. Today is XX/XX/XXXX, and despite two months having passed, I have received no communication or updates regarding my refunds. 

As an international student studying in the United States, this situation has caused me significant distress. I have had to borrow money from friends to cover my rent and other essential expenses, as I rely heavily on the funds that were in my Chase accounts. The prolonged delay in receiving my money is placing an immense financial burden on my family, who are already struggling to support my education. In fact, they are considering selling our house to ensure I can continue my studies. 

Additionally, due to not having access to my funds, I have been incurring increasing interest fees on my credit cards every month. The financial strain and uncertainty are severely impacting my mental health, causing my anxiety to rise with each passing day. 

The sudden closure of my accounts and the missing refunds have severely disrupted my plans. I had budgeted for various academic and personal expenses, including purchasing textbooks, paying for essential utilities, and participating in academic activities that require fees. Without access to my funds, I have been forced to drastically cut back on daily expenses, often limiting myself to minimal amounts just to keep alive. This is not only affecting my physical well-being but also my ability to focus on my studies and participate fully in campus life. 

Furthermore, the financial instability is making it difficult for me to make long-term plans. I am unable to commit to necessary academic programs, internships, or even consider travel plans to visit my family, which adds to the emotional strain of being far from home. 

I am seeking your assistance in resolving this matter promptly. I have attempted to contact Chase multiple times, but I have not received any satisfactory responses. I am extremely concerned about the lack of transparency and the undue delay in processing my refunds. 

I would greatly appreciate it if the CFPB could intervene and help expedite the resolution of this issue. I am requesting a thorough investigation into why my accounts were closed without a clear reason and why the promised refunds have not been processed within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
after looking at my credit report i noticed some accounts that are not mine and they are hurting me from obtaining credit.can you please have the following deleted and removed from my 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 2024-06-09 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:
after looking at my credit report i noticed some accounts that are not mine and they are hurting me from obtaining credit.can you please have the following deleted and removed from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
after looking at my credit report i noticed some accounts that are not mine and they are hurting me from obtaining credit.can you please have the following deleted and removed from my 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 explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc.
State: AZ

Complaint narrative:
The prepaid card is being actively used I just didn't use it for a few months and it expired last month end. 
I tried using the card this month and it was rejected. I am unable to view my transactions or balance on the card anymore. Last I remember I have over {$100.00} left on the card. 
On contacting the card issuer they said their policy is amounts are forfeited on expiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 me, this inquiry XXXX  XXXX XXXX was obtained by fraud. if you can not provde me with this information in 15 days delete this inquiry. Send me a copy within 15 days! 


I already sent in a FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
So chime has closed my account without giving me any type of notice or why they closed it. I asked how are the fund going to be sent to me and they replied by saying they have limited access to my account. I would like to know why my account was closed and how to get my money back that was in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
I looked at my report on XXXX and notice two different school loan companies reporting mis leading information of the same debt of different amounts.Ive tried several times to rectify this issue. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Experian stated that the XXXX accounts ( XXXX : XXXXXXXX XXXX XXXX XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently did an investigation on my credit report which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Experian stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CBNA  XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Opting Out pf Authorization for Information Sharing Under 15 USC 6802 Dear : CBNA  ACCT XXXX I hope this letter finds you well. I am writing to inform you pf my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bailey Act ( GLBA ) regarding the sharing of my nonpublic personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations whether written, unwritten, verbal, non-verbal that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties particularly for marketing or other purposes not directly related to the financial services I have with your institution.

Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request.

If you have any questions or require further information to process my request, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and your commitment to respect my privacy rights under the federal law. 

Best, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have a lot hard inquiries in my credit reports that it affecting me.. that I havent made any of them now my credit is worst

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my report on XXXX and noticed my personal information was inaccurate and incorrect. Ive reached out several time trying to Rectify this information. I dont know what else to do. Could you please look into this matter and have them investigate these incorrect addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently did an investigation which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Transunion didn't ensure these accounts were reporting 100 % correct. Transunion has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Transunion stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX O Date XXXX XXXX XX/XX/XXXX, XXXX AUTO Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/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 explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: OR

Complaint narrative:
Looking over my credit report I have found several inaccurate accounts that are hindering me from getting a house. I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and INACCURATE accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health and is causing a strain on me and my family to the point we are seeking therapy. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my report on XXXX and noticed my personal information was inaccurate and incorrect. Ive reached out several time trying to Rectify this information. I dont know what else to do. Could you please look into this matter and have them investigate these incorrect addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Equifax stated that the XXXX accounts ( XXXX : XXXXXXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
I looked at my report on XXXX and started noticing inquiries that were not mines. Ive tried several times reaching out to inform to my fraud alert and fraudulent activitys but no access these accounts ante not mines XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA

Complaint narrative:
Due to XXXX MOHELA making errors in how much I owed them, which would have resulted in my overpaying by more than {$2000.00}. I contacted them about multiple times, I decided to refinance with another company, XXXX. Due to the disbursement from XXXX posting days after my latest payment with XXXX MOHELA posted, on XX/XX/XXXX, it was overpaid by one month payment and XXXX MOHELA needs to refund XXXX or me about {$2100.00}. 
It has been 3.5 months and I still dont have payment. I called after about one month to ask - while my account shows XXXX  due, I never received any notice of account paid in full - and the person said it could take up to 60 days. So I called in late XXXX when it reached 60 days. The person acknowledged they could see a refund was due and it should be going out soon, most likely to XXXX. I called again XX/XX/XXXX, and spoke to a supervisor in addition to initial person answering. They said payment should be coming and they apologized for delay. Still nothing. 
I need my money. This is excessive delay and inappropriate. XXXX MOHELA should have to pay interest on my retained money and a fine for delaying so long. It has been 3.5 months. This incompetence is not okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-09 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: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to my CFPB complaint # XXXX dated XX/XX/year> including my identification information attached ( see attached ), XXXX XXXX has responded to said complaint on XX/XX/year> advising they are mailing me a copy of my XXXX Consumer Report on XX/XX/year> for my review ( see their response, attached ). 

As of today, XX/XX/year>, I still have NOT received a copy of my XXXX  Consumer Report, for my review, from XXXX XXXX. 

At the same time, as of today, XX/XX/year>, I have received six ( 6! ) more virtually identical automated letters from LexisNexis Risk Solutions - two of which were dated XX/XX/year> - and ALL (! ) of which simply stated, once again, that LexisNexis was unable to process my request due to being unable to authenticate my identity. 


The two of the six letters in question that were dated XX/XX/year> - the same date that XXXX XXXX had allegedly sent me my XXXX Consumer Report for my review- and that I received today, XX/XX/year>, have the following information : Letter 1 : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Contents : Unable to Process Request, unable to authenticate identity Letter 2 : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Contents : Unable to Process Request, unable to authenticate identity

Company response to consumer: Closed with non-monetary relief