vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Around XX/XX/XXXX, I submitted an application to Chase for their Saphire credit card, which was denied on XX/XX/XXXX. I contacted the reconsideration department for an explanation, not understanding the difference between XXXX and XXXX XXXX I assumed their system was in error. The representative ran my score again at that point. When I said, " WOw- how can this be? '' She ran it another time. I was upset ; again, at this time, I was not educated on the different scoring models. I explained to the representative that I had seen my XXXX score earlier that same day. The representative ran it through XXXX and still denied my application. Throughout this process, I was unaware that my credit was hit that many times ; my assumption was that they were conducting an internal check on their system, since I disagreed about my score. The representative was very harsh and rude in the way she spoke to me, as if a person " like me '' should have just known I wouldn't be approved. I was offended and hurt by her comment, not sure if a " person like me '' was referencing my XXXX or veteran status. Previously, she asked how it was that I had he income that I reported in a way that let me know she did not believe it. She also stated that she the application was reviewed as if the income was before taxes. I explained that all of my income ( due to it being SSI and VA XXXX ) was tax free. She seemed upset for and asked me if I could show this " income '. I said " absolutely '', but she quickly changed her mind and said, " We don't require you to do that. '' That indicated to me that she had a personal bias about my XXXX, veteran status, and the ability to produce the income if asked. When I made an complaint, the executive branch contacted me, and he was just as rude and nonchalant as she was. He did not care to address the treatment from the representative and only wanted to tell me that my credit was not " good enough ''. He then told me that after running my credit an ADDITIONAL time, I was still denied. This angered me even more. I asked him why my credit was ran again, and all he did was apologize. I then brought up the fact that the previous rep had already ran my credit 3 times in a short span ( 1-2 days ) and he said there was nothing he could about it. I said, " Chase did not have my permission to hit my credit multiple times like that! '' He simply repeated that he was not going to do anything about it because " Chase has the RIGHT to run your credit as many times as we need to see if you qualify for our cards. '' I am asking for an apology ( genuine ) from Chase about the discriminative treatment I received, and to PLEASE remove the additional, unsolicited credit inquiries from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
Square , Inc., has been processing payments for a specific line of our products since XX/XX/XXXX and until today they have kept all our sales proceeds and have transferred {$0.00} to our bank account. If it wasnt because of an audit made by our accountant, we would never have realized that they had been keeping all our money. 

Over the past month I've contacted Square at least 4 times via telephone ( XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX ), and numerous times via chat and through their web interface. I've provided the information they requested and they still won't transfer my funds. 

Each time I've spoken with someone at Square to try to get my money transferred to my account they come up with a new request for information. If they needed such " onboarding '' information from us they should have never started accepting payments from our customers until they had what they needed. Instead, they seem to believe that it makes more sense to process our payments for two years while keeping our money all this time. Our money has generated Square interest in their bank account that we should have earned. Even if they transfer our money, who is going to pay us for the interest we should have earned? 

I've asked Square to close my account and they refused unless I gave them more information, which I did. They don't review the information within their promised 1-3 days, instead I have to call them to " escalate '' my request and whenever they decide I've waited long enough they respond back asking for more information. It's a never-ending loop where they waste my time and keep my money. How is this a legal practice in the US??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company 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 2024-03-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-03-06 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I have Fraudulent inquiries on my credit profile that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
I recently checked my report and saw accounts reporting that I do not recognize

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
Yes, I have started a fraud claim with the FNBO credit card company and Once I have called in and reported that my card has been lost and stolen over the phone because I might have drop it or lost it near the airport once I did my XXXX drop off and the FNBO company told me not to worry that I wouldn't be held reliable and not once have they called me or ask me anything about my situation. On top of that they have denied my claim and think i never lost my card??? I even looked at the transaction and it showing it was out of state? I'm not sure what the company is trying to do 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 monetary relief
Consumer complaint received 2024-03-06 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me. I have asked them to provide me with the documents with the original signatures proving the accounts belong to me and they have not sent them 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 2024-03-06 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me. I have asked them to provide me with the documents with the original signatures proving the accounts belong to me and they have not sent them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: GA

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

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

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

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

Company 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
this is part of complaint filed same problem as case XXXX I guess I must send this to each company involved its been sent to XXXX XXXX  same for XXXX which is located at XXXX XXXX XXXX XXXX az 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX filed charge-back dispute against the merchant XXXX XXXX XXXX XXXX XXXX , with card issuer Capital One ( dispute # XXXX ) in the amount of {$4000.00}. ( Appears as XXXX on credit statements and correspondence ) XXXX Card issuer applied temporary credit of above amount. 
XXXX XXXX weeks later temporary credit disappeared from my account, disputes average XXXX  days to complete. 
XXXX capital one statement states available credit {$3300.00} from {$4000.00} temporary credit. Reported to credit bureaus as payment toward any previous balance on account. Resulting in credit score to increase.

Previous balance on account {$2100.00}. 
XXXX statement Available credit- {$0.00} New balance {$10000.00}. 
There is no information about the {$3300.00} that disappeared. 
XX/XX/2023 statement reflects temporary credit being reapplied to account as a purchase. 
Card issuer reports to credit bureaus Resulting in credit score decreases, credit utilization skyrockets and credit scores plummet. False information being reported to credit bureaus. Devastating financial ruin. In XXXX  days, card issuer created a debt that did not exist before. 
XXXX called capital one ( card issuer ) call center representative informed me merchant was never contacted or investigation was never started. Claims of time limit of dispute bring past. 
Card issuer has closed account. I am still receiving letters informing me of temporary credits being applied then letters informing me to disregard last letter. 
XXXX letter ( attached ) from card issuer states charge-back dispute # XXXX is incorrect. This is another dispute filed against different merchant XX/XX/2023. 

I filed dispute in question # XXXX on XX/XX/2023 merchant XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AppFolio, Inc.
State: KY

Complaint narrative:
I have no knowledge for this false report in XXXX. I never signed any lease with this company that I supposed owe for damages in XXXX. I just graduated highschool in XXXX and never signed my own lease for anyone. This is interfering with me in XXXX  years later with being able to get a home for my XXXX children and I. This information is false and needs to be taking off my credit as soon as possible so I can get a home for my children and I. Please. And thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-06 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:
EXPERIAN : XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect on 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 2024-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: SD

Complaint narrative:
I opened my XXXX XXXX account for the first time in a long time and noticed that my credit score was atypically low. I usually have excellent credit and it is now average. Upon further investigation, I noticed that XXXX XXXX XXXX was listed many times over, across several credit agencies. I have never opened a XXXX XXXX XXXX card in my life. 

I spoke with XXXX ( ID Number : XXXX, Department direct line : XXXX XXXX XXXX ), from their Fraud department. He informed me that someone had opened an XXXX card in my name in XXXX and charged around {$4500.00}. I also noticed that on my credit report, my social security number is listed several times, as well as my email, as " compromised ''. To compound the issue, I just relocated to XXXX so I am limited in what I am able to do from here. I reported it as fraud with the company and now I am submitting reports with any agency I am able to.

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