vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
At XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023, my sister received a a call from an Unknown Name caller ( XXXX ). The caller claimed to be from Chase Bank, and wished to talk to her, she was unavailable. He claimed to have received a credit card application from someone in XXXX, North Carolina. He was trying to verify that the application was from my sister. I informed him that he should report this to a credit reporting agency. I was not confident that he had or that he would report this. I told him to cancel the card that he said was on hold. I had no confidence that he would do that. This conversation went on for 33 minutes. He got angry at my responses, and claimed he was cancelling all credit cards in my sister 's name from disparate issuing banks. I requested that they send a letter detailing the fraudulent application for credit in another state, but he declined. I requested to talk to his supervisor, he said he did not have a supervisor, so none could be placed on the call. Finally he dropped the XXXX and terminated the call. 
At XXXX on XXXX XX/XX/2023, I received another call from JPMorgan Chase XXXX XXXX ) from the above agent. He continued to persist in trying to talk to my sister. After he failed to get me to put my sister on the line, he asked if I wanted to speak to his supervisor. He transferred my his supervisor. I had no confidence that the supervisor has someone other than the agent using another voice. I told the supervisor that the agent was " persistently abusive '' and " used foul language ''. The supervisor hung up. 

Calls from Chase bank about fraudulent applications for credit cards has been ongoing to my sister 's number for several months. In the Caller ID log for the phone is another call from JPMorgan Chase ( XXXX ) at XXXXXXXX XXXX on XXXX XX/XX/2023. Preceded by XXXX calls from a Toll Free caller ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if these XXXX calls were from JPMorgan Chase or not, but I suspect they were based on prior experience with these callers. Another set of calls were recorded on XXXX XXXX XXXX at XXXXXXXX XXXX and XXXX XXXX I have confirmed with my sister that these calls are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian has been reporting a XXXX XXXX bankruptcy on my consumer and I would like to have it removed because it is violating my consumer rights due to the US Bankruptcy court does not verify with any credit bureaus any type of bankruptcies on 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 2023-11-15 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: GA

Complaint narrative:
Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last XXXX SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status. 
Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status.

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It has been XXXX  months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per 15 USC 6802 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NJ

Complaint narrative:
It has been XXXX  months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per XXXX XXXX XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer XXXX have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.

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 2023-11-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

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

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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: FL

Complaint narrative:
We hereby file a complaint against WISE for their actions. 
The facts : We opened a multi-currency bank account for our company with WISE in XXXX. 
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries. 

In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company. 

Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XX/XX/XXXX. 

What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems. 
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX up to the date of closure of the accounts, then liquidation ). 

In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license. 

We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, an installment loan was taken through Affirm.com to help cover the cost of an {$8200.00} furniture order from XXXX. Once that order was not delivered by the 30 day mark as guaranteed by XXXX, I followed up directly with the merchant. I was repeatedly told that the item was " in transit '' and there was nothing they could do. After another 2 months, on XX/XX/2023 I reached out to Affirm to help me resolve the issue and get my money back. I also reached out to XXXX ( who covered the other portion of the order. ) XXXX swiftly returned my funds and judged the order to be a fraud ( rightfully so. ) Affirm has repeatedly pushed back and is now saying I cancelled my own order, which I did not- I asked for either my furniture or my money back, neither of which was provided by XXXX. 

Affirm needs to make this right and protect my rights as a consumer under the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to use this prepaid gift card in person and online at XXXX, XXXX, and XXXX. It gets declined every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I closed on a mortgage with XXXX who has the servicing with Selene Finance. They held payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not to start paying payments until XX/XX/XXXX. However, they withdrew a payment on XX/XX/XXXX. I have contacted the company twice and XXXX at XXXX also contacted them twice. We were told that they would be returning the payment, however, to date, they have not. My payment is {$2300.00} That is a very large amount to my monthly debt to be taken in error and not returned. They have said sorry, they will handle it and then nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship manager, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.

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 2023-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship manager, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: WA

Complaint narrative:
I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. XXXX contacted XXXX XXXX after I opened the dispute in XXXX of XXXX, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.

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 2023-11-15 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: WA

Complaint narrative:
I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. XXXX contacted XXXX XXXX after I opened the dispute in XXXX of XXXX, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: WA

Complaint narrative:
I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. Experian contacted XXXX XXXX after I opened the dispute in XXXX of 2023, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.

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 2023-11-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

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

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 2023-11-15 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: GA

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

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief