vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-21 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: PA

Complaint narrative:
I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURANCY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 











Update the account to paid on time and never late. or remove it from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding the denial of my application to open a Chase Secure Banking account online. Despite meeting the necessary requirements for this type of account, my application was denied due to my presence in the XXXX database. 

I understand that financial institutions often refer to XXXX to evaluate the risk associated with opening new accounts. However, Chase Secure Banking is advertised as an accessible option for those who may have had difficulties with other banking services. This particular account is promoted as an inclusive service, catering to individuals in various financial situations, including those listed in XXXX. 

Given this context, I am perplexed and disheartened by the refusal to open an account for me. The denial appears to contradict the very purpose of the Chase Secure Banking service, which is to provide a viable banking option for individuals with less-than-perfect banking histories. 

I kindly request a thorough review of my application and a clear explanation of why it was denied despite the nature of the account I sought to open. If there are specific criteria or conditions that were not met, I would appreciate detailed information on these points. 

Furthermore, I urge Chase Bank to reconsider my application for the Chase Secure Banking account, given that this account is designed to be a solution for people in situations similar to mine. I believe that, with a better understanding of my financial circumstances and the nature of this account, an amicable resolution can be reached. 

Please acknowledge receipt of this complaint and provide a written response at your earliest convenience. I hope for a swift and favorable resolution to this matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.

Complaint narrative:
My credit builder account was closed after my score went down over XXXX points, but my credit card is still active. I would like to close both accounts, and erase the negative score off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: MI

Complaint narrative:
XXXX HAS REINSTATED THIS inaccurate item on my report that has a high credit limit of {$7500.00} this information is in violation of the FCRA and is not 100 % fair or accurate I am requesting the original instrument of indebtedness and demanding that this item be removed from my credit report immediately if this request cant be met. 


Creditor : American First Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened the new checking account with Citi online promotion page. I registered the new account directly from the promotion page link. The promotion is : open a new citi bank checking account, deposit 2 times total {$1500.00} in 90 days. I completed the deposit on XX/XX/XXXX. I did not get any bonus more than 14 days now. I called Citi, they refused to help me resolve the issue.

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 2024-06-20 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: WI

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XXXX XXXXXXXX XXXX XXXX XXXXXXXX sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After CHEXSYSTEMS not helping, I gave up and accepted I would not be able to do anything but wait the " up to five years '' that the letter had stated. Recently I called XXXX XXXX XXXXXXXX to inform myself on how much longer and they said until " XXXX  '' with is 3 years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with XXXX XXXX XXXXXXXX and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, XXXX XXXX XXXXXXXX violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, XXXX XXXX XXXXXXXX has also violated this right of 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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
To speak with a supervisor to also have the loan application closed and I was hung up on and cursed out. 

The XXXX XXXX XXXX  names that are in these emails are the ladies that were speaking amongst each other 's about scamming people on the internet out of the {$5.00} for the monthly fee for the loan for their company and then I was told that they were the loan company and then I was told that I needed a cosigner. 
When I could not find a cosigner another employee that I got on the phone after multiple callbacks told me I did not need a cosigner that my credit was good enough for the application until another employee came over and took the phone from her and acted as if she was her. 

After acting as if she was the young lady she just took the phone from the woman then proceeded to tell me that they were going to get my loan started from another company. 
And that they were not the ones giving me the loan anymore so now they had my personal information my address and all of my credentials only to hang up in my face and I could hear them arguing over the phone and who was going to scam me first. 
I overheard another young lady saying that you're trying to be nice to the customer and our job is to scam them. 

This company has multiple different addresses all across the United States the only one that has a name on it for a physical person is the one in XXXX. 

Multiple different phone numbers and addresses all the way registered to the XXXX XXXX. 

Every state has a different address all with the same name transform credit Inc . 
As I overheard the employees talking about scamming and not being nice to customers while they were arguing, I was hung up on multiple times they did not know I was listening to the phone and they did not hang up the phone. 

While I did not record it I have screenshot it as much as I can and sent you a copy of my own promissory note that was written up for them to send to me and the emails with the name of the employees if you XXXX the addresses none of these addresses are in compliance and they are vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 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:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, we sold our car and received a wire transfer from the buyers for {$12000.00} On XX/XX/XXXX, we received a message in our secure message center that said, " Return of funds are being requested DUE TO FRAUD. Please authorize us to debit your account for the amount XXXX by replying to this e-mail. '' We replied that we did NOT authorize a debit of XXXX because this was money from selling our car. 

On XX/XX/XXXX, Chase Bank made an unapproved withdrawal of {$12000.00}. 

We have spent at least fifteen hours on the phone with dozens of people in several departments. We've talked to supervisors and specialists. The last few times we've called, we've asked and gotten permission to record phone calls, so we have recordings of people at Chase telling us that we would get our money back in XXXXwo days. That was last week, and there has been no return. We started asking to record phone conversations because several Chase representatives claimed to be making " notes '' on our account so that a specialist could work on our problem. But when queried later, other representatives were forced to admit that no notes were written anywhere. We were being told a line to get us off the phone, which I find exceedingly unprofessional and dishonest. 

One Chase Bank representative claimed that XXXX XXXX ( the car buyer 's bank ) requested the money back, and it was given to them. We talked with the buyers of our car, and the wire was not returned to them. XXXX XXXX also said they did not get any funds back from Chase.

From our perspective, Chase took {$12000.00} from our checking account and has not returned it. Nor can they explain where the money went, leading me to believe they are either inept or dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-20 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: PA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a fraudulent account on my credit report in the amount ( s ) of {$500.00} XXXX XXXX and {$820.00} XXXX XXXX XXXX  I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent account and any related finance charges and other charges from my account, send me an updated and accurate statement, and close these accounts. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. I have already contacted the companies that issued these accounts, and as part of the process, I am reaching out to you kindly asking for these accounts to be removed immediately. Attached is a copy of my Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with non-monetary relief