vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a chase client with the private client division in XXXX XXXX, XXXX for many years and I have various business accounts. 
I would like to report highly unprofessional conduct with the branch professionals ( XXXX XXXX and XXXX XXXX ) and the Chase Auto-loan department XXXX XXXX from Complaints Department ), which has caused damages in excess of {$180000.00}. 

The Chase Auto Loan division reported an incorrect late payment, which I disputed immediately, based on the following facts : A ) the payment reported was not late and proof of payment was provided ( attached ) B ) Chase Auto loan statements had been sent to the wrong address C ) the online profile set up by Chase to enable electronic payments was connected to the wrong profile without my knowledge. I had no access to this profile. 
D ) the name on the Chase Auto loan and all relevant information ( such as address ) was recorded incorrectly E ) payments I made by phone with Chase Auto were drawn with delay causing a XXXX day delay which caused a late payment reporting in my credit profile ( proof of payment attached ) F ) Lastly there are no branches in XXXX ( where I live most of the year ) to make payments. 
G ) Chase XXXX acknowledged a mistake was made by Chase and told me they would fix the issue with Chase Auto For all the above reasons, I contacted my local branch as well as Chase Auto to correct the late reported payment that showed up on my credit report as I'm about to close a large real estate transaction. 

I was told by the local branch that they acknowledge the mistake made by Chase, and that they contacted Chase Auto who also acknowledged it, and therefore would correct the record on XX/XX/XXXX. 

I then informed my lender ( who was funding a real estate transaction ) who agreed to postpone the closing, so I would not lose my down payment of {$180000.00}. The transaction would close once the updated report was provided. 

But it never came, because the bankers at Chase XXXX lied to me. 
Chase Auto informed me today that they denied this request. 

I have been a client with Chase for many years. I have never been late on any of my payments. Furthermore, I offered to simply pay off the entire loan, but no one was willing to speak to me. I was being cast aside with no help whatsoever. 

These are the very professionals I trust with my money. Clearly, these Chase bankers are not trustworthy, which is proven by this obvious and blatant misconduct. 

This late payment reporting must be corrected because of the circumstances which clearly proof mistakes made by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 

Failure to do so is a violation of my rights.

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 2023-06-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a one-year CD online in XX/XX/XXXX under a PROMOTIONAL APY of 4.15 % for {$50000.00}. It was on their website several weeks in XXXX and XXXX. My statement reflects 4.00 %. I contacted Citibank 3 times to get this resolved. I contacted them on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this issue. This was a Promotional APY if you open the account online so I don't have anything showing the Promotional APY other than documenting the APY on my spreadsheet when I opened the account. Each time, they told me to wait for a reply XXXX days until they are able to review the case and get a resolution, but to this date, I've heard nothing back from Citibank. Each time I've spent over an hour on the phone with a customer service rep and a manager to resolve this issue. As of today, I've had no response from Citibank and will not spend any more time on their poorly run customer service.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This account is not mine. On top of that the account is over XXXX years old. I had this taken off before because the account was not mine and some how that was proven before. How could this even reappear after all of these years?

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
With one bureau it shows opened and another shows closed. In fact, it has different information in multiple locations. See attachment

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
With one bureau it shows opened and another shows closed. In fact, it has different information in multiple locations. See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-17 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
With one bureau it shows opened and another shows closed. In fact, it has different information in multiple locations. See attachment

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 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is filed against TransUnion, XXXX, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both TransUnion and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. TransUnion reports XXXX. XXXX reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. 3.Date of last payment is also missing from all 3 bureau reports. 4. TransUnion reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. TransUnion reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over TransUnion was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both TransUnion and XXXX show XXXX 90 days late. Contrary, XXXX shows XXXX 90 days late. Which is it.

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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NJ

Complaint narrative:
NATIONAL RECOVERY AGENCY PUT A COLLECTION DEBT ON MY XXXX credit reports And refuse To provide proof of the identity That this alleged debt belongs to! This debt is not mine and I have know knowledge of it Its now on my credit reports as of XXXX XXXX..They have to provide Debt validation proof And proof of the identity of alleged debt They have not provided anything And Without said proof This debt does not EXSIT It needs to be removed

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Well Fargo account. 



I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1- I'm current Chase Bank Credit Card Customer . I have Chase Freedom Credit Card. On XX/XX/2023, I received an Offer Via email From Chase to Apply for another one of their Credit Cards : XXXX XXXX. ( SEE ATTACHMENT # XXXX ). 
XXXX The Offer included Zero % Introductory APR for 21 months on Purchasing and Balance Transfer . Then, 20.24 % -28.99 %, thereafter, depends on credit worthiness. 
XXXX The same email included a link " Respond Now ''. When I clicked, it took me to Chase Website to sign-in and proceed with their offer. 
XXXX After signing-in, the Screen did not have any information to proceed with the offer for XXXX XXXX Credit Card XXXX But it did have two Options : A- Need Help Choosing a Credit Card? Take a Quiz, and B- If you don't see what you are looking for, Find a Card. ( SEE ATTACHMENT # 3 ). THE SCREEN DID NOT HAVE ANY INFORMATION ON HOW TO PROCEED WITH THE OFFER FOR CHASE XXXX CREDIT CARD THAT CAME IN THE EMAIL. 
XXXX When I found out that, I went back to the email and clicked on the Link for " Pricing and Terms '' and surprisingly, discover that Promotional Zero % is for 18 months which contradicting the Offer of 21 months as stated in Chase Email oXXXX XX/XX/2023. ( SEE ATTACHMENT # XXXX ). 
XXXX On XX/XX/2023, which is the expiration date for Chase Offer for the XXXX XXXX Credit Card XXXX I called Chase Customer Services and Spoke to XXXX XXXX who stated that she did not know why the link is not working and she could not explain the discrepancy between the 21 months and the 18 months. 
XXXX It is clearly obvious to me that Chase Bank is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their PRE-APPROVED WRITTEN OFFER to me of 0 % Interest for 21 months. 
XXXX THIS IS AN UNFAIR BUSINESS PRACTICE IN GENERAL AND most importantly, HURTING AND HARMING A XXXX XXXX XXXX XXXX XXXX IN PARTICULAR. 
XXXX Regardless of what has happened, Chase Bank MUST honor their own pre-approved offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have no knowledge of these accounts. And it needs to be removed from all 3 credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
It should be known that this complaint is filed against XXXX, XXXX, and Equifax for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. Equifax report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It should be known that this complaint is filed against XXXX, Experian, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. Experian reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. Experian also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX  report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.

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 2023-06-17 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: FL

Complaint narrative:
I recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents

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