vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has been sending email messages in relation to a XXXX XXXX Rewards program since XX/XX/XXXX. None have been clicked on or interacted with, these were only forwarded to XXXX, eventually resulting in an automated message with instructions to contact the bank. The CHASE branch visited on XX/XX/XXXX is the XXXX located in XXXX XXXX XXXX XXXX. XXXX XXXX, Texas. The manager that day did not see any accounts under my name or social security ; She said it might have been a phishing email and not to reply to it ( which I never did ). I kept getting emails related to a credit card account that was on its way. 

The unsolicited XXXX XXXX XXXX Credit Card from the emails arrived physically via mail on XX/XX/XXXX. I went to the same CHASE branch again, with the card in hand. The door clerk was referring me to XXXX XXXX as the steward and emitter of the credit card. After several questions to the clerks, the manager, who was able to look into her computer and confirmed the account existed with CHASE, and that it was already flagged as fraud. The Manager put me on the phone with someone from the CHASE credit card services who informed me that the account would be closed, and that all information needed to confirm the closure would arrive via mail. 

A confirmation of the accounts closure arrived in the mail, but only the typical one a common customer would get. There was no information from their fraud department or procedures for someone without proper access, like me. On the XXXX they included this account on my credit report as closed, which resulted in getting credit score deprecated XXXX points. Since this account was closed for being fraudulent, I believe the reduction of my credit score is unjust. 

To this day it says there was a promotional inquiry made to my credit by JPMORGAN on XX/XX/XXXX, and I still cant believe they were able to open an unsolicited credit card with just that. An Identity theft report was made with the Federal Trade Commission on XX/XX/XXXX. I was never given any information or help from their XXXX XXXX, and I even received another letter informing me that a duplicate application was submitted to them. I would like this CHASE account to remain closed, deleted, be taken off my credit report and for my score to be renewed as it was before their inquiry ; I was never a willing customer of theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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 did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

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 2024-05-29 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: NY

Complaint narrative:
I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. 
Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. 

In support of my claim, I have lodged a formal complaint with the XXXX XXXX XXXX ( XXXX  ) and have provided the banks with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CUSTOMERS BANCORP, INC
State: NJ

Complaint narrative:
I was a victim of identity theft. Someone took out a personal loan from Customers Bank through XXXX. I contacted Customers BankXXXX on XX/XX/year> and again on XX/XX/year>. They provided me with a package to complete for there investigation. I was able to provide everything they requested with the exception of one. They were requesting a note from the bank ( XXXX ) stating that the account that the funds were transferred to showed fraudulent activity. The bank would not provide this information, which I explained to XXXX. I also requested that the contact the bank directly as a part of their investigation, which they did not do as far as Im aware since the bank stated over the phone to me that there was fraudulent activity and the account has since been closed. They concluded their investigation stating that the loan is valid. I did not take out this loan and now my credit score is being negatively impacted. I also reached out to them via email on XX/XX/year> communicating the same thing. I received a letter on XX/XX/year> that their investigation determined that the debt is valid since they didnt receive the letter from XXXXXXXX XXXX showing that there was fraudulent activity associated with the bank account ending in XXXX. I communicated to them multiple times that XXXXXXXX XXXX  confirmed that there was fraudulent activity on the account and closed it. However, they would not provide me with a letter. Therefore I requested that Customers Bank contact XXXX directly as a part of their investigation. If they were concerned with conducting a thorough investigation I would think they would contact XXXX. I dont believe that happened and therefore their investigation is incomplete. Lastly, in my initial discussions with XXXX, none of the personal information matched mine. Different address and phone number. So Im not sure what the vetting process is for them but this didnt make any sense. Why wouldnt this raise a red flag? I think that probably needs to be reviewed as well.

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 2024-05-28 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: DISCOVER BANK
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DISCOVERBANK, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws applicable in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protections against identity theft and fraud. The Missouri Revised Statutes Section 570.223 emphasizes the criminal nature of identity theft and the unlawful use of personal information. Further, the Missouri Merchandising Practices Act ( MMPA ) under Section 407.020 establishes protections against deceptive practices, including unauthorized credit reporting. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that DISCOVERBANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are unauthorized inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bankruptcy is not mine

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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing to dispute a charge off account status that has shown on XXXX, XXXX and XXXX. The creditor is Toyota Financial Services. I am requesting that Toyota Financial Services remove or update my account as a closed account rather than a charge off. 

I had an active car loan with Toyota Financial Services which I have paid monthly. On XX/XX/year>, I had some water damage to my vehicle which I placed a claim through my insurance company XXXX. On XX/XX/XXXX XXXX submitted documents to XXXX stating that the vehicle suffered a total loss. Although, I did not agree with the loss water damage claim, I continued to make monthly payments to Toyota Financial Services. Furthermore, I repaired the vehicle with my own finances through XXXX dealership who is owned by XXXX. The vehicle is repaired, in good condition and still in my possession. 

On XX/XX/XXXX I received an e-mail from Toyota Financial Services stating that my car loan had charged off on XX/XX/year>, for {$20000.00} and has been sent to a collection agency, XXXX XXXX XXXX XXXX. I immediately called Toyota Financial Services, as I had no understanding of why my account was charged off. 

A representative said that a letter had been sent to me. I informed the representative that I never received such letter and that I've been making monthly payments to XXXX on this account. 

At that time, the representative forwarded the letter to me via e-mail although the account had already been charged off. 

I am requesting that XXXX XXXX have the item removed as a charge off account status and or updated as closed or completely deleted. 
This charge off status has damaged my credit. This action has been done without giving me proper notification to resolve within a timely matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase Amazon Prime Rewards card that I used to purchase a XXXX XXXX XXXX in XXXX of XXXX. The card comes with an extended warranty benefit that : " Extends the time period of the U.S. manufacturers warranty by one additional year, on eligible warranties of 3 years or less when item is purchased with an eligible Chase card or with rewards earned on an eligible Chase card. '' The soundbar failed in XXXX of XXXX, outside the one year original manufacturer warranty, but within the additional year provided by the card. The manufacturer ( XXXX ) understandably did not replace the soundbar because it's out of warranty, but XXXX also did not offer to repair the product at cost, because XXXX does not have a repair program. There are no electronics repair shops near me willing to quote a repair cost, because the soundbar is not designed to be serviceable by third parties. 

I submitted documentation of the purchase, warranty, and inability for XXXX to repair to Chase 's claims filing partner, but received a rejection requesting " A copy of the diagnostic, or repair receipt if the item has been repaired, that states the reason for the failure and details the cost to repair the claimed item. '' I called and explained to them that there is no such diagnostic because there's no facility that offers repair services for the item. They said they just need documentation that XXXX can't repair it, so I contacted XXXX again, screenshotted the conversation, I sent this to Chase 's claims filing partner, who then rejected with the identical message : " A copy of the diagnostic, or repair receipt if the item has been repaired, that states the reason for the failure and details the cost to repair the claimed item. '' I called again, they said they see the info that XXXX doesn't provide repairs, but the information needs to be in a different format ( making it clear that conversation was with XXXX ). So I contacted XXXX again, asked them to restate in an email, and sent a copy of the email to Chase 's claims filing partner. Again, the same rejection, again, with the exact same message. 

I've tried calling 3 further times, twice unable to get through and the third time told I need to get a diagnostic and cost to repair. This requirement is impossible to satisfy. 

Chase 's marketing and " guide to benefits '' do not limit the extended warranty benefit to only apply to products that are repairable ; they refer to a repair or replacement at the claims administrator 's discretion. Clearly, a repair or diagnostic is not available, and I have provided the documentation to the claims administrator, so the card benefit should approve a replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion and XXXX XXXX are violating my consumer rights by reporting a late payment for the account # XXXX XXXX  year opened> that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge Company information Transunion continues to violate my consumer rights, which I deem harmful to my financial health Iam demanding that this Late payment be updated and corrected. I was never late on this account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
This is another complaint with COMPLAINT ID XXXX On XX/XX/year> I again called Cash App to work on closing the account, I had to call 5 times. I was hung up on 4 of the 5 times before someone could assist me. I was sent an email with a " secure link '' to upload a picture of the card I received along with providing this information : " 1. Your Full Legal Name ( first and last ) 2.The name listed on the Cash App XXXX you received 3.Has anyone previously lived at this address? '' This email was from XXXX. Cash App Support ref :! XXXX.! XXXX : ref I followed the instructions and never received a follow up response on if the account is closed. 

On XX/XX/year> I received another email this time from XXXX.Cash App Complaint Operations Team ref :! XXXX.! XXXX : ref. This time reaching out in response to my complaint with Better Business Bureau asking for once again : " In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash App XXXX you received XXXX. Has anyone previously lived at this address? 
4. Please use this link to securely share the front and back images of the card : '' I already did this on XX/XX/year>, I didn't get a response but now I'm being asked to do it as if I haven't already done so. 

This email also addresses my request to have my name, ssn, and address blocked from being used by someone creating another fraudulent account in the future since this is the second time in 30 days this has happened and the information they are asking for is in my opinion unacceptable. 

" 1. Front and back photos of one of the following forms of U.S.-issued ID : - Drivers license - State ID - Passport Card ( US Only ) - Passport ( US Only ) 2. A selfie of you holding your ID 3. Confirm the last 4 of your SSN ( last 4 ONLY, do not provide full SSN to best protect your information ) '' I have already been a victim of identity theft and this information that they are asking for can further expose even more of my sensitive and private information. My ssn is locked, my credit is frozen and I have already had this happen with Cash App and closed the 1st fraudulent account. Cash App has all the information they need to block future attempts. It is not reasonable for me to have to repeatably prove who I am when they require less evidence to open an account. I have never and will never open a Cash App account or use Cash App services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I understand FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccuracies in reporting, with incorrect amounts and dates.

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 2024-05-29 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: MI

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.

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