vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/, at exactly XXXX, I personally went to the JPMorgan CHASE bank and made a cash payment of {$120.00} on my Amazon XXXX VISA account. 

Today XX/XX/2024, I personally went to the CHASE bank and was told that their " Teller Express System has been offline '' since XX/XX/XXXX, XXXXThat this is currently impacting most JPMorgan Chase banks and customers in the area. They are currently experiencing some kind of technical system error that is causing a delay in their system that wont allow the system to post payments into the customers accounts. 

This is completely unacceptable. I expect to be compensated for this discrepancy with the corresponding interest rate that is accumulating due their systems error. Im attaching to this message a copy of my receipt of the cash payment of {$120.00} that I made on XX/XX/2024. 

As of today XXXX XXXX my payment of {$120.00} has NOT posted to my account. 


In addition the secure message feature on their Chase.com website is not working properly. The text portion is not allowing me to send them a secure message. Its highlighting my text outline message in red and displaying the following characters that Im NOT using in my message at all : text error icon You can use any special characters except : } > { " " ' " < Chase.com credit card services need to immediately post my cash credit card payment that I made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I been trying to buy a car and it is causing me so much stress as a single parent to not have a way to work and to dr.appointments for my child and XXXX.I almost lost my job because of transportation problems because of my credit report.so upon checking my credit report I realized I had damages on there. And according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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 am writing to inform you that my personal information was illegally sold and bought as a result of the Equifax data breach. I have attached proof of Equifax 's admission that I was indeed a victim of the data breach, and yet, no action has been taken to rectify the situation. I demand the immediate removal of these unauthorized and illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
On or about XX/XX/2023, TD Bank reported to credit bureaus a payment on my Target Red Card was over 30-days past due. It was 31 days past due. The payment amount was {$160.00} and I paid that amount on XX/XX/2023. The late payment report caused my credit score to go down over 50 points three credit bureaus : XXXX, XXXX, and XXXX. 

The same day, I contacted Target Card and explained I had not gotten a statement of my account or any notice that payment was late. I actually had not received an account statement from TD Bank/Target in several months at that point. I did not receive a notice that payment was late until after Target made the negative late pay report to credit agencies and after I contacted them. The letter was dated before XX/XX/, date of late pay report to credit bureaus, but not mailed until after that date. By then, my credit had already been damaged. 

When I spoke with Target customer service, they said I could request a review in writing, which I did. I found the law that says they are not supposed to make late payment reports until after they have sent the consumer an account statement. Target said they had reviewed the matter and determined the late pay report was correct. 

I forgot to make the payment because I didnt receive a statement or late payment notice. I would like Target to remove the late payment report they made to the credit bureaus. The dip in my credit score causes irreparable harm each day. It is the only late payment I have had on my credit report in many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Made an deposit into my account and every since my funds cleared after 5 business days Ive been having the hardest time to retrieve my funds from CITIBANK, constantly blocking my card everyday for no reason after my literally verifying every single transaction, so I went to branch to withdraw my funds out of my CITIGOLD account and the teller who was helping me seem like she was having a very BAD day since she was the only teller working out of 4/5 tellers, she decided to make my year bad already by writing unnecessary comments & notes on my account! When all I asked was to withdraw my funds. Please have Citibank unblock my CITIGOLD checking & saving account so I can take my funds out and put them elsewhere! 
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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has removed the XXXX XXXX account from my credit report and as a result in removing an account is admissible evidence that Experian broke the law so this is A INVOICE FOR VIOLATING THAT LAW A MINIMUM XXXX $ thank you. You have 90 days to make the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Auto Financing place 2 inquires on my credit on the same day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attaced fraud inquirer have been removed by other credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
My Chase XXXX checking account was locked and then closed by Chase due to " unusual activity, '' while I or my account was never involved in anything " unusual '' or illegal by any means. The account was locked around XX/XX/23 and officially close very soon after XX/XX/23. There is a remaining balance of {$1800.00}, which I still have not yet received in the form of a check from Chase, after more than XXXX  months now. The servicing team over the phone nor the branch has never given me any exact response about whether and when my money will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I have a 'deht collection " of XXXX by Original Creditor XXXX XXXX XXXX XXXX XXXX 
Original Act # XXXX Balance XXXX Location - XXXX XXXXXXXX XXXX Current Creditor- Cascade Capital Finding LLC Creditor Act # - XXXX & & I was XXXX XXXX at the time. I was XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX NC . I believe it was XX/XX/XXXX. It was near the end of XX/XX/XXXX. I was sent to the XXXX due to a very bad XXXX XXXXXXXX, that started XXXXXXXX XXXX XXXX XXXX XXXX so they had to call XXXX. From the hospital they sent to to XXXX NC XXXX. I have documents for proof of me being XXXX from XX/XX/XXXX I was in XXXX XXXX XXXX XXXX NC , transferred to XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX and that's when I was sent to XXXX XXXX by XXXX , and went to XXXX from there XX/XX/XXXX I was released from XXXX. Therefore, I was XXXX XXXX and I'm NOT reliable for the bill. I've contacted different people every time I got a letter about the XXXX. I've contacted XXXX XXXX XXXX about it and everything else. Then it gets put on my credit report and it shouldn't be. I'm trying to fix/build my credit as it is ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : 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 FCRA Section 605B ( a ) stipulates that Experian shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of th Equifax data breach. I want these items Deleted from my credit reports fective immediately. Lam attaching proof that Equifax has admitted tha was in fact a victim of this data breach and Equifax has done nothing. ease help me delete these illegal accounts from my credit reports. List : lose negative acounts from your Equifax credit reports. Account name and account numbers and file Your complaint with the CFP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I did not make any of these inquiries. Ive been on XXXX for 10 years, so I know I can not receive credit without a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : 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  FCRA Section 605B ( a ) stipulates that Experian shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
I questioned there method of verification and they said they dont have to conduct an investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: First Help Financial, LLC
State: MD

Complaint narrative:
I did not make any of these inquiries. Ive been on XXXX for XXXX years, so I know I can not receive credit without a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief