vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: NC

Complaint narrative:
on XX/XX/XXXX my online bank with Chase was locked with unknown reason over the phone received information thats Chase decided to stop all relationship with me with unknown reason and my funds should be mailed to my home address within XXXX business days on XX/XX/XXXX by visiting local chase bank I received from branch XXXX XXXX XXXX thats my XXXX  from my bank account been transferred to chase Legal department and added on hold for the next 10 days, at the same day we opened claim with chase escalation department claim # XXXX and they promised to mail chack back to me with my funds on XX/XX/XXXX after this date Every XXXX days I am calling chase to find out more details how I can get my funds because I need to pay my bills, if them need to provide any info I can provide all documents and each phone call they telling - call back in 2-3 days - wait two more weeks - or simply " unknown reason unknown case we cant help you " on XX/XX/XXXX - received by mail letter from chase with information XXXX debit XXXX  check charge on full amount {$95000.00} last call today XX/XX/XXXX - first rep told me its will take years and years to get your money back second rep who been transferred call back in XXXX days attaching - letter from chase * debit DDA check charge on full amount {$95000.00} XXXX printed last statement with account number and full balance {$95000.00} - bank amount statement printed by chase {$95000.00} - business card with written case number by XXXX XXXX bank branch manager

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/year> you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX stating that the account was verified!!! 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 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.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TX

Complaint narrative:
On XX/XX/year> you received my dispute regarding some transactions and late payments that you and Experian furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian stating that the account was verified!!! 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 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.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-23 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: IL

Complaint narrative:
This inquiry was made by the creditor without my consent

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 2024-01-23 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: IL

Complaint narrative:
Remove this inquiry made by the creditor without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Accidentally send XXXX to a friend when only meant to send XXXX through XXXX I called my bank and explained my friend said she only received XXXX of the XXXX and I reported it to my bank they gave me a number to XXXX I couldnt get through to them and feel like Im getting the run arounds. The bank XXXX XXXX  said theres nothing they can do. I tried to cancel the transaction several times and it wouldnt let me. Its been about XXXX XXXX and my friend said its still not showing anything in her bank. So my XXXX dollars is just floating around somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MO

Complaint narrative:
It's impossible to close a complaint while working on the complaint but those fraudulent company dose ot everyday

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
This company is Current bank i have a debit card through them. Theres various transactions in my account, for about XXXX XXXX dollars. Ive been a victim of skimming. Which is when you use your card in public and they use a device to gather your card information and use it as theres on a card and they also have 2 factor authentication bots. I contacted them and told them and they said no credit or anything will be gave and the investigation is over i want an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote Experian a dispute lettter and they are refusing to re investigate the disputed information. They were provided with the proper proof of Identity, so there was no cause to send me an email asking to verify myself again. Experian is refusing to abide by the law. Below is the attached email stating their frivolous stall tactics. I hereby am putting them on notice to arbitrate if they do not resolve my dispute. They are 2 abide by metro 2 compliance which they are not even abiding by. This is illegal and against the law to refuse to re investigate my dispute. They have 5 days to remove the information off of my report. I have the right to hire a 3rd party if choose to. There is no law stating I can not hire a 3rd party or lawyer to repair my credit. Your letter is a stall tactic and its computer generated and you are breaking the law by refusing to investigate my disputed information.

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 2024-01-23 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im begging you please remove this to the 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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Navy federal sent a letter stating they would provide a provisional credit and get a rebuttal from the merchant. If the rebuttal was received they would forward it and continue the investigation. They did not provide the rebuttal from the merchant and instead posted the amount back on the card. Also, the charge should not have been allowed since the entity ( merchant ) XXXX XXXX is using XXXX Government employees to provide services and it is ILLEGAL for Navy Federal to directly or indirectly process payments for XXXX sanctioned persons or countries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 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: OH

Complaint narrative:
Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. 

I did not authorize these inquires below that are reporting on my Experian credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX  XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Also I have numerus number of unauthorized inquires on my XXXX report. 

I did not authorize these inquires below that are reporting on my XXXX credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX  on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Data Breach Act & Without Correction within 30 day period. The violators started threatening consumer without faithful correspondence to consumer 's concerns. 
Account ending in XXXX : {$4500.00} Account ending in XXXX : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX & Without Correction within 30 day period. The violators started threatening consumer without faithful correspondence to consumer 's concerns. 
Account ending in XXXX : {$4500.00} Account ending in XXXX : {$11000.00}

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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached file.

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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Last few weeks, these ODD Account Services calls have been coming into my cell phone. First it was XXXX it was 2/from different numbers/day. Ive been deleting them because with my health issue of XXXX  XXXX, weve been extremely cautious with paying our accounts off to make insurance payout maximums. I phoned the numbers today and the unAmerican male voice assumed I was ANOTHER NAME. Then they said they mustve been given a wrong number and promised not to call again. 

I deleted their numbers before I got to your sight but I do know he said his company was MCM Collections. 

Those are NOT our accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a FTC report to XXXX on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. XXXX has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, XXXX never notified me by email or US mail between XXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. XXXX failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a FTC report to XXXX on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. XXXX has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, XXXX never notified me by email or US mail between XXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. XXXX failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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 PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX  XXXX XXXX XXXX XX/XX/

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