vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Up until XXXX XX/XX/XXXX I have been able to access my Chase checking and savings account through the web and mobile app, and have done so for 10 years as a customer. 

On Thursday XXXX XX/XX/XXXX I transferred {$10.00} to an external bank account and the money was received. On Friday XXXX XX/XX/XXXX I could no longer login to Chase web or mobile app and was directed to call a number because my account had been suspended. 

I contacted the call centre and was informed that my identity needed to be re-verified with the bank. I was informed this could only be done in-person at a branch or that I would have to contact a branch. That is a problem for me - I currently live in XXXX and there are no Chase branches. 

I contacted the XXXX branch ( where I opened the account in XXXX ) multiple times through late XXXX and early XXXX to seek further information about why my account had been suspended and how to fix the problem so I could regain access and conduct transfers. Each time I was told that it had been suspended because my ID needs to be re-verified ( first time this has happened in 12 years .... ) and that it could only be done in-branch. 

I asked for it to be escalated to a manager- the manager couldn't assist me. Said that Chase policy requires in-branch verification. I then asked who I could speak to within Chase bank that had a better understanding of verification procedures for people living abroad - multiple times I asked for help, and to-date I still have received nothing. 

When I call a Chase help centre, no one can help because its not a standard request. When I call the Chase branch ( XXXX ), no one can help because the branch doesn't deal with ID verificaiton procedures aside from sighting documents in-branch. 

I also can't ( perversely ) lodge a complaint directly with Chase because I can't login to my account to do so! I asked the XXXX branch to lodge an official complaint internally for escalation - that was on XXXX XX/XX/XXXX via phone. I have never received a receipt for the complaint lodgment, nor a follow up or a response. 

I am genuinely stuck. I have {$2000.00} in the account which is now frozen and I can not access. I would like assistance from Chase to a ) re-verify my accounts ( if that's what's required ) and b ) assistance from Chase to transfer money once again. 

Thanks, and appreciate this service being available - I don't know how else to engage with the bank, it's not easy being abroad an unable to visit a branch. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DC

Complaint narrative:
I am a borrower with Mohela student loan servicer because I am enrolled in the public service loan forgiveness program. In XXXX, XXXX my loans were placed into administrative forbearance by Mohela and I was told it was because they were " switching platforms '' and it would be resolved shortly. I called once a month to check on the status of this because it was impacting my ability to apply for PSLF forgiveness, as I was nearing XXXX payments. I have four months of Mohela-imposed administrative forbearance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attached to my account. I was told multiple times on the phone, email, and on their website that because this was Mohela-imposed administrative forbearance, those months of forbearance would count towards PSLF payment counts as long as I was employed by a qualifying employer. I was told to recertify my employment in XXXX, which I did. My employer was acceptedbut those payments didnot adjust. XX/XX/XXXX should have been my XXXX payment and I should have been able to apply for loan forgiveness in that monht. When those four months still showed as " ineligible '' in XX/XX/XXXX, I contacted Mohela to ask why. They said it was because of the DOE and they couldn't do anything about it, and I would have to just keep paying my monthly loan payment until the DOE pushed those payments over into " qualifying ''. It is now XXXX and those XXXX payments have not moved over. I have paid XXXX months past the point I should have paid, and now I am learning, based on an email from the DOE, that my loans are going to be " serviced '' again, and I will not be able to apply for forgiveness " through XXXX '' which likely means XXXX, however I am still required to keep paying my loans and I will receive a refund for overpaid. This has caused undue financial hardship and is penalizing borrowers who are owed forgiveness through PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MS

Complaint narrative:
XXXX of XXXX a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX PREFERRED CREDIT XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MS

Complaint narrative:
XXXX XXXX XXXX a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX PREFERRED CREDIT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-03 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: PA

Complaint narrative:
On XX/XX/2024 I submitted a claim with the Consumer Financial Protection Bureau regarding several hard inquiries listed on my Equifax Credit Report. I listed each inquiry and asked that they be removed because they I did not place inquiry into any of those accounts listed. 

Since then, XXXX inquiry still remains with XXXX XXXX. I have not applied for anything with XXXX nor do I have any open accounts with XXXX. I am asking again that you please remove this inquiry as it is reporting improperly and inaccurately on my credit report. 

I have also received stalled mail from XXXX indicating they need to confirm my identity and I can do so by providing a copy of my drivers license and social security card amongst other options. I provided my drivers license and and social security card in my initial claim with CFPB but I will submit it again here. Please reframe from sending stalled tactic mail as such when it is documented that I submitted documents to verify my identity as a courtesy before now with XXXX therefore my identity should be on file. In addition, I am submitting my Identity Theft Report from the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: WA

Complaint narrative:
I have recently discovered a fradulent credit card account that has been opened without my consent.hThis account is a result of identity theft. I have never initiated nor autorized the opening of this credit card accoount. Furthermore I have several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I request removal of this fraudulent information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I do not recognize these accounts and I did not authorize them. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SEE ATTACHMENTS

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 2024-04-03 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
On XX/XX/2024 I ordered a bunk bed for my XXXX XXXX XXXX XXXX. I assembled the bed a few weeks after. The moment I placed the top bed over the bottom, the frame for the bottom bed split in one corner of the bed making it unsafe for my XXXX 

When I contacted the merchant XXXX about what happened, they advised me that it's past 30 days and can not accept a return.

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 2024-04-03 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: IL

Complaint narrative:
I disputed the account with XXXX XXXX XXXX because I do not have a contract with them and Im not liable for the debt from the original creditor which is XXXX XXXX XXXX I disputed the account on XX/XX/2024 in the amount of {$460.00}. This account is being falsely reported to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my ExxonMobil account without giving me notice of such or the required Regulation B statement of credit denial. Why do the biggest banks get to bypass CFPB Regulations?

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems LLC has once again put a false debt back on my credit report when I already disputed this item of XX/XX/2023 and filed a consumer complaint against them and won and it was took off of all my credit reports. But now they still have my social security number and trying to harass me with this false debt that they can not ever verify. This debt that they are trying to collect does not belong to me. They also agreed upon that they wouldnt contact me again about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
This is the third time I have filed a complaint with Transunion. I have asked TWO times for them to verify the accuracy of this account in accordance to my fair credit reporting rights and they have NOT done so. They fave failed to report accurate and true information and I DEMAND the removal of this account. It is physically impossible for an account to report as " OK '' and next month report as 60 days delinquent. I will retain counsel and file suit in court if this account is not deleted for them violating my rights. 

XXXX XXXX XXXX XXXX XXXX  Account number XXXX Opened XX/XX/2020 {$7900.00}

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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-03 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I purchased a XXXX oz bottle of XXXX XXXX for {$6.00} on XX/XX/XXXX. When I received my next statement from XXXX I noticed a charge for {$120.00} from XXXX XXXX  on XX/XX/XXXX. I did not recognize the company or the charge so I contacted XXXX and disputed the charge. They disapproved the dispute so I contacted them about it and they said the company stated I approved a trial subscription and that I did not cancel it and was charged {$120.00} for the monthly subscription. I told them I NEVER saw or read anything about a subscription and if I did I would never approve it for that amount! Plus I was charged the {$120.00} only 7 days after I made the initial purchase of {$6.00} and it was to another company and I never received another bottle. She sent me to the fraud unit and I gave all the details again. I received a letter on XX/XX/XXXX stating it was disapproved again. I started looking online for complaints on this company and found many. This company is a scam. XXXX is giving me no other recourse. I asked for evidence from XXXX XXXX to support their claim. All they said they received was a screenshot of the tracking where I received the trial bottle. I havent received the evidence yet. There is no proof there was wording stating they were going to charge {$120.00} a month. XXXX is encouraging the scam companies by making a decision based on a screenshot of delivery and not taking into account all the evidence I provided on complaints from others on the exact issue. There was no investigation done by XXXX. Victims have NO rights anymore. Attached are documents from XXXX complaints on this companies scam.

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 2024-04-03 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:
I kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. Credit reports from different credit bureau are showing different inaccurate information. I had 60 day late payment information on a credit bureau and 30 day late payment on another credit bureau for the same account and date that was in fact paid on time. The reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/18. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If these payments can not be verified I demand these payments to updated to paid on time immediately. Thank you for your understanding and prompt action.

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