vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am currently on vacation in XXXX. On XXXX  XX/XX/19 I tried using my card and it wasnt working. I tried to go to an ATM and that as well did not work. 

I called Chase to see what was going on & they informed me they have frozen my account and in 10 days will close my account. I have done nothing wrong at all but thats besides the point. They gave me no reason as to why. 

However, I have no access to any of my funds & I am stuck in XXXX with no money. They said the account will close in 10 days and after that I will receive a check in the mail. 

This is the only account I use. I dont have access to any money anywhere else & I am currently stuck in XXXX and have no money for food, for a place to sleep or a plane ticket home. 

I requested they let me transfer my money to another account i have, to my mother or send via XXXX XXXX or something similar. They told me no for everything. I dont know what to do. I am literally stuck in XXXX with no access to any type of money. I feel I just got robbed and thrown on the street and I did nothing wrong. I am scared & I dont know what to do ...... They can close my account thats fine but please allow me to access my money so I can get home..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
XX/XX/XXXX funds for my CD which matured were not received by the external bank account but the fund for my husband 's CD were received that day. We had purchased matching CDs on the same day for the same amount ( {$15000.00} ), maturing on the same day ( XX/XX/XXXX ). The XXXX CDs were both linked to the same external bank account. I called Citizens Access ( CA ) to report the problem. 
XX/XX/XXXX CA states funds for my CD were transferred & provided the trace number. I went to my external bank & they reported the trace number and funds were not received by my account. I call CA back with this information. 
XX/XX/XXXX CA manager instructs me to open an online savings account so they can deposit provisional funds ( {$15000.00} ) during their investigation. 
XX/XX/XXXX provisional funds received in my CA online savings account. 
XX/XX/XXXX CA manager instructs me on how to withdraw the provisional funds XX/XX/XXXX I received email from CA stating the savings account is closed & I confirmed there was now a {$0.00} balance in the provisional savings account. 
XX/XX/XXXX XXXX CA manager calls to inform me that CA investigation is complete with a conclusion the funds were deposited to my external bank account. I again provide external bank findings that the trace number and funds never received. 

At this time, it is clear that CA never looked into the fact that XXXX CD matured that day & funds from only XXXX CD was received. They never looked into the details of both transactions and came to their faulty conclusion based on an incomplete investigation. They continue to hold my funds with no commitment as to when the funds will be released. We are now back to where we started on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have 2 fraudulent inquires with BMO HARRIS bank and XXXX XXXX  that are reporting to my credit profile. I believe I am a victim of identity theft. On XXXX XXXX XXXX, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with BMO HARRIS and XXXXXXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is 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 2023-09-20 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX DEAR EQUIFAX This account was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable. The other XXXX credit bureaus removed this account because they were unable to properly verify it. Im confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or remove this account from my report immediately. 

Regards, XXXX XXXX I HAVE ATTACHED COPIES OF MY REPORT SHOWING THAT THIS ACCOUNT IS ONLY SHOWING FOR EQUIFAX BUT NOT XXXX OR XXXX BECAUSE THEY HAVE DELETED THIS ACCOUNT BUT YOU CONTINUE TO REPORT INACCURATE INFORMATION AND REFUSE TO DELETE THIS ACCOUNT THAT CAN'T BE VALIDATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: TX

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.

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 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Unauthorized Information from My Consumer Report Dear Equifax, I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unauthorized information that has appeared on my consumer report, which is a result of identity theft. I have taken all necessary steps, including filing a report with the Federal Trade Commission ( FTC ), to rectify this situation, and yet the issue persists. This letter serves as a formal request to block and delete the unauthorized information from my consumer report. 

To provide context, I filed an FTC report detailing the identity theft incident that led to this unauthorized information appearing on my consumer report. I want to emphasize that I did not provide written permission or instructions for any identification transactions related to this information to be reported on my consumer report. Furthermore, my request to block this information is not being made in error, nor is it based on any material misrepresentation of fact by me. 

I have already submitted all the necessary documents, including a copy of my original CFPB complaint ( Complaint ID : XXXX ), my FTC report XXXX and proof of my identity in the form of my driver 's license and Social Security card. Despite providing these documents, it appears that Equifax has not taken adequate measures to address this issue promptly. 

The presence of this unauthorized information on my consumer report has had a significant and detrimental impact on my life, causing damage and holding me back in various ways. I have the right to a fair and accurate consumer report, and it is your responsibility as a credit reporting agency to ensure that this information is both accurate and secure. 

I am formally requesting that Equifax take immediate action to block and delete the unauthorized information from my consumer report. I expect this matter to be resolved promptly and efficiently, as it has already caused me considerable stress and inconvenience. I am also seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to enforce the correction and deletion of these items if Equifax does not take swift action. 

I kindly request that you acknowledge the receipt of this letter in writing and provide me with a timeline for the resolution of this issue. Your prompt attention to this matter is crucial, and I trust that Equifax will take the necessary steps to protect my rights as a consumer and rectify this situation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: MT

Complaint narrative:
I as a XXXX XXXX have filed multiple complaints with National Credit Systems Inc. and they have failed to properly repair my consumer report. 

Ive done my due diligence and studied my Consumer Laws, UCC & USC codes as well. As attorney general Id like you to reach out to this company on MY behalf and submit a request to delete the XXXX apartments complexes they are charging me for. 

I have not given this company or any other consumer reporting agency written instructions to furnish any data which violates my rights as per 15 USC 1681 sec. 602 ( a ) 15 USC 1681 C ( a ) ( 5 ) sec II - states that no consumer reporting agency may make any consumer report containing any of the following information : any adverse item of information other than records of conviction and crime which up to date the report by up to 7 years 18 USC 894 - Collection of extensions of credit by extort

ionate means ( a ) Whoever knowingly participates in any way or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 15 USC 1666b - a creditor may
not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Privacy and consent.

Please take care of this once and for all. These are the OFFICIAL laws and they trump and corporate agency policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a virtual credit card from Goodyear tires on XX/XX/2023 for {$100.00} Exp XX/XX/2023, the term to spend the money was too short and when I asked to extend the Exp date they refused. I followed all the terms to meet the requirement but didn't have enough time to use the credit.

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 2023-09-20 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CITI Account Number : 54241813 Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE CAPITAL ONE Account Number : 51780584 Delete this account.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS STRIKE ACCEP Account Number : 1619 Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I disputed five charges on my Citibank credit card by one merchant ( XXXX XXXX XXXX ) regarding two XXXX units the merchant admits they never installed. Citi asked for additional information which I provided in full XXXX The 5 charges totaled {$31000.00}. 

Citi reversed the {$7600.00} charge on XX/XX/XXXX and the {$7100.00} on XX/XX/XXXX in my favor. I discovered recently that Citi rescinded the {$7600.00} they'd previously credited to me on XXXX  They can not provide a reason because the files are " so old ''. I've followed up with Citi 's Dispute Dept. 8X over the span of a year while they pretended to process my dispute until they aged it out into irrelevancy, then tried to blame me for their failure. 

On XX/XX/XXXX, I called Citi who told me the claims were all closed. In addition to the {$7600.00} they reneged on, Citi refuses to reverse the {$6900.00} and {$1800.00} charges for my alleged failure to respond to another request for info which they inadequately posted to my account without notifying me. The information was unnecessary in any event, as evidenced by the fact all the same information I provided XXXX XXXX XXXX allowed them to reverse two other identical charges ( and the reneged charge ). All five charges relate to the same merchant for the same transaction. The merchant admits they defrauded me by taking money for services they never rendered. All five charges should be treated the same and all should be reversed in my favor. Citi reversed charges for {$15000.00} but refuses to reverse {$16000.00}.

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 monetary relief
Consumer complaint received 2023-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-09-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with explanation