vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2022Balance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2022Balance : Reason : Identity theft Account Name : XXXX XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XXXX Opened XXXX XX/XX/XXXX, 2021Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2021Balance : Reason : Identity theft

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX had a long-standing deposit relationship with Chase Bank , even to the point of having a favorite teller with whom she dealt on a regular basis. She also felt close to the XXXX XXXX whose name was also " XXXX ''. Her banking history shows a frugal person whose only large transactions involved charitable contributions prior to these incidents. These incidents should have alerted anyone that they were unusual and deviations from the norm. Knowing our mother as we do, she would have also been very secretive about these transactions.

1. In person purchase of large cashiers checks purchased to send money to strangers whom she had never met ( Seven ( 7 ) separate occurrences from XX/XX/XXXX to XX/XX/XXXX ). 
2. Large personal checks against her accounts to individuals ( NOT charities ) from XX/XX/XXXX through XX/XX/XXXX. In one case, three of these large checks cleared her bank on the same day. 

We filed a lawsuit in LA XXXX XXXX due to the XXXX nature of our conservatorship. The bank was able to get the matter moved to the XXXX XXXX and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. 

We even sent them this information from the CFPB website and their response what essentially, " Not our responsibility ''. 

Elder financial abuse prevention can be viewed to fall within a financial institutions general obligation to limit unauthorized use of customer accounts as well as its general privacy and data security responsibilities. As a result, a financial institution that fails to implement a robust elder financial abuse prevention program risks becoming the target of a CFPB enforcement action for engaging in unfair, deceptive, or abusive acts or practices. In addition, given that the CFPBs new leadership has identified XXXX as a priority area, it would not be surprising if CFPB examiners, when examining banks and credit unions subject to CFPB supervision, look at such institutions programs for preventing XXXX and use the XXXX recommendations in evaluating the programs. 

We have attached all the evidence we filed with the court along with copies of our Letters of Conservatorship and Order of Conservatorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
This is not a duplicate. On XX/XX/2022 I noticed i had multiple unauthorized transactions in my account. The transactions looked as if i was sending myself money but wasn't spelling my name right. So I contacted my bank to explain who i believe XXXX be to blaim for this but also to ask how this was possible because I should of been protected from something like this. That's when I put in the disputes. 
I got an automatic response initially, then they just closed my dispute. I, then called Chime and spoke to a gentleman and explained what i believed happened and he then refiled another dispute for me and told me to just explain what i did to him in an email following the dispute. That's exactly what i did. Then the following day on XX/XX/2022 Chime closed my account completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
One week ago on Wednesday, XX/XX/XXXX we filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding claim number XXXX. This transaction is not recognized and was not authorized as explained when it was initially reported to Chase. In response to the notice that Chase posted on the account related to this claim, we have requested copies of ALL documents that Chase has that proves this charge is valid and or authorized. It has been seven days and no one at Chase has responded to our CFPB complaint requesting the documents in accordance with the federal law - The Fair Billing Credit Act. In accordance with federal law Chase must provide the requested documents once funds from a dispute are reversed such as this claim. Chase has not provided the requested documents proving that the disputed transaction is indeed valid. 

It has been voiced several times that we experienced an emergency while out of town which required XXXX  service and were without devices and wallets for over eight hours or more. 
We are in request of the documents proving that we are responsible as Chase has stated. We reserve the right to file with the FTC and the CFPB again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, NV XXXX Equifax - XXXX XXXX XXXX - XXXX, GA XXXX Payment of {$300.00} posted XX/XX/21. Statement Date XXXX shows this payment reducing the balance from {$460.00} to {$190.00} ( +/- other minor adjustments ). TWICE since the payment was posted, XXXX XXXX has stated to Equifax that the balance is still {$460.00}. 

When I called XXXX XXXX to try to ask them, they acknowledged the lower balance but refused to send the updated balance to the credit bureau. 

While I have a dashboard account at Equifax, there is no way to refute a factually incorrect response to a dispute. The phone menu systems do not allow for human interaction and I have found nowhere on their site where I can submit documentation showing the correct balance as stated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a phone call from a legal advisor to the CEO of XXXX, in reference to my complaint to the CFPB about XXXX reporting of late payments ( 120,30 days on file ). I wanted to start this letter by mentioning XXXX is centered itself by the pride of taking care of its MILITARY! Its bases is its militatry members, it is its grass roots of its banking. Now with that said I have been a member with XXXX over 30 years, 19 of those years I served my country and six of years where combat tours, and 2019 I was % XXXX XXXX both from XXXX XXXX XXXX XXXX. I tried after multiple venues to explain this XXXX and as other worked with me. The phone call I received from XXXX was the most humiliating phone call to date on a recorded line. Not only due I suffer emotional issues from this but being humilatied by a professional banking system for a costumer request?

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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: OR

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mother who is elderly ( 80 ) and I own a joint checking account with Bank of America. My mother was the victim of a check washing scam sometime between XXXX and XXXX of 2022 wherein a check written and mailed to a catalogue company was altered and cashed for an amount of approximately {$6100.00}. On or around XX/XX/2022 I noticed the fraud and immediately made a police report to the XXXX XXXX Police Department and contacted the Bank. On or around XX/XX/2022 my mother went into her local branch with a photocopy of the check and signed a notarized document reporting the fraud and requesting her funds to be returned. All of her claim paperwork was retained by the branch and was allegedly faxed. She was told these matters can take up to 90 days to resolve. On XX/XX/2022 she contacted the Bank fraud unit as was told they " never received her paperwork '' and nothing has been done on her claim. The Bank is now telling her she needs to go back into the branch and resubmit her claim. She was never contacted at any point by the Bank regarding the missing paperwork. No one picks up the phone at the local branch. My mother is in ill health and should not have to return to the bank to repeat this process.

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 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Didnt receive any notice of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: AZ

Complaint narrative:
I was victim of a scam involving my Discover card on XX/XX/22. I received a text from someone purporting to be my boss, asking me to purchase {$1000.00} worth of XXXX XXXX XXXX. This person said he was in a meeting and couldn't talk, but needed the cards for a holiday gift and wanted me to take care of this errand for him. Of course, I wanted to help so I purchased the cards, and texted him the activation code, per his instructions. 
Moments later, I checked and realized the caller was not actually who he said he was and that I had just been scammed. I called my bank immediately ( within minutes ) and requested them to reverse the charges and to start an investigation. They said there was nothing they could do. They offered no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My vehicle was repossessed on the XXXX of XXXX on the XXXX I went to XXXX XXXX where the vehicle was to retrieved my property but the person who took me had to go to work so i could not retrieve all my stuff the lady made me pay XXXX and I ask her if i can come back to retrieve the rest of my stuff in XXXX days. I retrieved my wallet and a pair of sneakers and I told her money and a money order for {$1000.00} was missing from my wallet she then called me a liar and called the police to remove me from the yard. She then called BridgeCrest and told them a bunch of lies and that I was banned from the yard. My mother went to retrieve my property and was told a bunch of lies too. Bridge crest is not trying to help me retrieve my property everyone is saying they don't know where my property is and I had important military documents in my car. This is how veterans get treated for serving this country and protecting people like them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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