vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: MI

Complaint narrative:
I called Chase on XX/XX/XXXX to have them close my business checking account and move the money to my personal checking account ( {$2100.00} ). The support representative ( and yes I'm certain it was actually Chase ) tried to fulfill the request, but kept putting me on hold. After XXXX minutes of this, it was clear something was wrong. I checked my Chase account on my phone and saw that the money had been transferred out, into another Chase account. Say for example my account number for my business account ended in XXXX. The one the money was sent to was XXXX. Again though, the money was supposed to be LEAVING my business account. It could be a coincidence, but it really seems like the support person confused the account they were supposed to be sending it to based on the last XXXX digits of the account number, which is weirdly, the only thing they're able to see about the account. I spoke to their supervisor, who was also not able to fix it, and had to escalate it up. 


Later that day, I missed a call from Chase while briefly putting down my phone. I called them back, and they basically say they still don't have it fixed yet and need more time. So I went to our local Chase bank the next day to see what they can do to fix this. They make calls on their end to see, and confirmed the issue. They said they didn't have the ability to fix it, but tried to press upon Chase support that this needs to be urgently resolved. 


XXXX more hours pass and I have heard nothing. That day ( now the XXXX ), I go to XXXX with my husband and insist upon them : they've taken ALL of the money out of this account. We need this money to pay bills/avoid late fees and purchase services/goods we use to make money ( this was a business account! ). There will be measurable financial damages if it isn't resolved immediately. I don't care where they accidentally sent our money to, they need to put the amount into my account and resolve their issue on their own time. The bank manager agreed and said he would do everything in his power to get it resolved that day. XXXX hour later, our local Chase gave us a call saying that they'd put a Credit for the missing amount on my account, and we confirmed that they did. All seemed well. 


Flash forward to today ( XX/XX/XXXX ), another week later, and they've now placed a Debit for that amount on my account ( we noticed this today but they did it on the XXXX ), stating that the Credit was erroneous. The money is gone. I don't have anymore time to devote to this. We've spent hours fighting with Chase for our money and we are not financially comfortable enough to not worry about it, and furthermore not confident that Chase will ever resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/2024 To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX THIS IS MY 2nd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
They repossessed my vehicle without even contacting me and letting me know beforehand, they just took it and now they constantly call me all the time every single day but XXXX times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/year> Attempts to freeze credit with Experian. Tried to establish acct on line. Feature to auto capture pic of my drivers license did not work. No how to info provided. Could not continue to request freeze. 
Called Experian- deadend- no option to speak to representative. 

Easily requested freeze from XXXX and XXXX I am part of recent data breach - ability to freeze online or by phone should be available from Experian also!!!!

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 2024-08-21 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: TX

Complaint narrative:
I am writing to inform you that my identity has been compromised, and certain accounts and transactions have been falsely attributed to me without my knowledge or consent. I have become a victim of identity theft and have taken immediate action by reporting the incident. This issue has caused me significant distress and concern, 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 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 2024-08-21 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: TX

Complaint narrative:
I am writing to inform you that my identity has been compromised, and certain accounts and transactions have been falsely attributed to me without my knowledge or consent. I have become a victim of identity theft and have taken immediate action by reporting the incident. This issue has caused me significant distress and concern, 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 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-08-21 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: TN

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I gave advanced notice of XXXX  membership cancellation yet my account was sent to collection. 
In an email, they asked for proof of relocation and i sent a utility bill proving my relocation of more than XXXX miles which satisfies requirements to cancel membership. Yet I believe they used this information I provided against me by submitting my new address to the credit bureaus. 

Old address I used to register XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX these XXXX addresses clearly indicates that the distance is more than XXXX miles which qualifies for cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent several letters to the company requesting validation for the alleged debt. I have received no communication and no debt validation. A debt collector can not report a debt to a credit report without validation. They are claiming I owe one account in the amount of {$7400.00} and one in the amount of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX  Account NumberXXXXXXXX  FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account NumberXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX  Account Number:XXXX  Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-21 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX. Request - Online Msg to wbstr no Re : Arg acct XXXX I am the fiduciary for my late brothers acct. I have spent a lot if time over the last 3 years running back and forth to the branch. I had enough in XXXX of XXXX to have a fee free acct. After your system conversion, I no longer received stmts and were charged fees. This reduced the balance and fees started to accrue. I do not have enough time or space to go over the myriad of errors made by your " back office '' ( as described to me by branch staff ), over the last 3 yrs. That includes, online banking ( to my surprise it now works ), to the lack of paper statements and the 1 hr plus phone call ( in XXXX ) with a follow-up visit to the bank ( spring of XXXX ). This has been a terrible back office experience. One which should not have happened. And is still happening. 

**** Please Correct & Rebate the following - 1 ) Resume monthly papet statements ( asap ) 2 ) Rebate those service charges over the last 15 months ( I was told the branch could only do 1??? ) I will wait 1 week for a response and correction, prior to contacting, The Banking Commissioner. 

I have been more than patient. System conversions and prior back office errors, should not continue to occur 1 yr later. 

Thx XXXX - reporting to the state of CT. - XX/XX/XXXX They need help with : I'm having a problem with Webster bank. They are giving the run around over service charges that should have been corrected last XX/XX/XXXX. Today I spent 2 hours, got transfer 3 times and then hung up on. They refuse to connect me with an area Mrg or supervisor. 



Thank you, CT.gov Virtual Assistant

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I overpaid a personal loan in full in the middle of XXXX since then, I have been promised that I should receive the funds by way of check within XXXX to XXXX business days. I never received the check and no one can give me a straight answer as to when I will receive my overpayment refund. They consistently blame their disbursement department for a glitch in their system. I have spoken to XXXX supervisors and I get the same runaround story. Today I spoke to another supervisor that basically told me she does not have an ETA as to when this issue will be resolved or when I will get my money. This is the email I received yesterday Hi XXXX, I hope this email finds you well. Thank you for bringing your concerns to my attention. I understand the importance in the timely processing of your Personal Loan overpayment refund and apologize for any inconvenience this has caused. The physical check was processed. However, due to a technical issue it is pending. It will be cleared within XXXX business days. If you have any other questions or concerns please contact customer service at XXXX and we will be more than happy to assist you. Thank you for being a member of the SoFi family. 



Kind regards, XXXX XXXX Opportunities Resolution Specialist SoFi Bank, N.A. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This company has sold the debt to another company and back are reporting different balance due on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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