vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As I read Chase banks response, to my previous complaint about customer service, they correctly acknowledge that their response to my request was not granted. But notably, the options they offer did not include mailing payments in response to receipt of paper statements from the bank. Therefore, I am requesting that Chase bank process and mail me a monthly paper statement for two very important reasons to me, the customer. 1 ) My XXXX  and physical health is my top priority, so I do not want to experience the inherent stress required to navigate the banks automated payment system. I have experienced it more that once. XXXX ) It is very important for me to monitor my credit cards processing transactions and other related activities. I am also requesting that from XX/XX/2024, that my due date for payment be changed from the XXXX of the month, to the XXXX so that there is adequate time span between receipt of my statement and mailing. I expect that since this request is standard procedure it should not be denied. I checked online and verified that Chase offers this service at no extra charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Open date is XX/XX/XXXX which is incorrect. Last reported on XX/XX/XXXX. This account is consistently being reported on my account when it was closed. 

I never had a contract with this debt collector for any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened an Ally Invest account with Ally Bank in XX/XX/2024 under the term that setup 3 monthly deposits and received {$100.00} new account bonus. I continued it for 4 months and fulfilled the requirement, but Ally Bank refused to honor the original term and refused to credit me the bonus.

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 2024-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: IL

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information XXXXThis Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

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 2024-08-17 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: IL

Complaint narrative:
My information was disclosed to a third party without my permissible purpose! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information XXXXThis Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
I have also discovered hard inquiries from the following companies that I never authorized. The fair credit reporting act states that only permissable purpose for pulling ones credit report is for : Firm Offer of Credit, Insurance, Employment, or court order. I have not authorized any of these companies to pull my credit report. 

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 2024-08-17 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: NY

Complaint narrative:
I have also discovered hard inquiries from the following companies that I never authorized. The fair credit reporting act states that only permissable purpose for pulling ones credit report is for : Firm Offer of Credit, Insurance, Employment, or court order. I have not authorized any of these companies to pull my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-17 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: KS

Complaint narrative:
My identity was used to open some accounts after my identity was stolen Someone used my identity to open XXXX XXXX XXXX on which was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: KS

Complaint narrative:
My identity was used to open some accounts after my identity was stolen Someone used my identity to open XXXX XXXX XXXX on which was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX opened XX/XX/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 2024-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-17 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: FL

Complaint narrative:
I have multiple inquiries on all three of my credit reports. I sent complaint number XXXX by accident and it was meant for XXXX. Here are the fraudulent inquiries on my Experian report. 

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 2024-08-17 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 have been monitoring my credit file in efforts to purchase a new home. I have been advised I have multiple credit inquires and was denied underwriting. Due to the breach of information by XXXX my social security number was compromised. Through my credit monitoring app I have been notified my personal information is on the black web. I have several credit inquiries from XXXX I have not done. XXXX breach has effect my personal credit file and have all credit inquires in XXXX and XXXX done by other and not myself. I want XXXX to remove these inquiries and confirm to me this has been completed. This has affected my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 have been monitoring my credit file in efforts to purchase a new home. I have been advised I have multiple credit inquires and was denied underwriting. Due to the breach of information by XXXX my social security number was compromised. Through my credit monitoring app I have been notified my personal information is on the black web. I have several credit inquiries from XXXX I have not done. XXXX breach has effect my personal credit file and have all credit inquires in XXXX and XXXX done by other and not myself. I want XXXX to remove these inquiries and confirm to me this has been completed. This has affected my ability to purchase a home.

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 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023, i completed two transfers of {$1.00} ( Transfer 1 ) and {$630.00} ( Transfer 2 ) to your Business Account balance. On that same day, you completed two transfers totaling {$630.00} from your Business Account to your Personal Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called Chime on Friday, XX/XX/XXXX regarding an unauthorized use of my chime card where {$85.00} was spent at a XXXX XXXX in XXXX  Texas and they sent me an automated email basically saying after their investigation they determined that no error was made and the transaction was valid. I called the number that was listed next to the transaction to ask for the address of the hotel and went their to ask them if anyone by my name *stated my name* used a chime debit card to pay for anything at around the time the transaction was showing in my chime app. The desk attendant said that they arent too sure but a white male ( Im an XXXX XXXX XXXX  btw ) did check in using a chime card with the first name XXXX and thats all they can really remember. I then asked them if they match IDs to the cards being used to book a room and the attendant said they dont typically do that for one night stays with debit cards. I dont know what type of investigation the people at chime are doing but if I can get answers from where the fraud was done in just a few hours they should be able to do more thorough investigations than they currently do. I just want my {$85.00} refunded back to me so I can close this account with this useless company that literally does nothing to protect their customers.

Also when I asked they provide the information used to determine their denial, they just sent me a XXXX of the automated email they sent stating the same thing, that we concluded no error occurred with literally no
information or proof included at all.

This bank or whatever they call themselves is a big joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had gone, to my Bank, XXXX  XXXX XXXX XXXX Bank, l was asked, To call, The ( Zelle ) To speak, XXXX XXXX XXXX XXXX, XXXX XXXX, To confirm it was me, She'd spoken and given all the necessary information Confirmation, As Correct, And that was all that was needed. 
All of a sudden, XXXX XXXX XXXX  XXXX XXXX XXXX, l guess, was smart Mouthing XXXX XXXX, She'd looked at me oddly peculiar, Than, She'd handed me, The Phone, saying XXXX XXXX needed to speak to me, I'd throught Why, She'd answered Everything that was necessary and it was indeed ( Oddly - Insane ) How He, was unnatural, And Telling, me, Action to confuse me, Deliberately, without cause, Nor Rest, To start Conflicts, And to make matters, Even more intensified, Was Emotionally Term oiling me, To Distress and insecure me, XXXX XXXX  with XXXX XXXX  by way that my last name is XXXX or Spanish. 
I didn't deserve this malisous misconduct, Plus at same time, " Scolding '' with No Merit or Reason, Then,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Ongoing Issues with Equifax Dear CFPB, I am writing to formally seek assistance regarding my ongoing issues with Equifax. Despite contacting them on numerous occasions regarding unauthorized inquiries that are listed on my consumer report. I have yet to receive a satisfactory resolution.

I have made every effort to resolve this matter directly with Equifax, including filing disputes online. Unfortunately, my concerns remain unresolved, and I am seeking your assistance to help facilitate a resolution.

I appreciate your attention to this matter and look forward to your guidance on how to proceed.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation