vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/24 I attempt to make a transaction for {$3300.00} via XXXX XXXX while on vacation in XXXX XXXX at the XXXX store. Card was declined. Call the XXXX XXXX merchant after going through verification I was told I would receive a call back to verify phone number, no one ever called me back as Im in the middle of transaction at the XXXX store. I called back again was referred to call the fraud department. Identification was verified by acct #, social Security number, address and date of birth. I have not yet received my physical XXXX XXXX card since I just applied for it on XX/XX/24 currently waiting for it in the mail, I was not able to verify the full card only last XXXX digit of the card, however I do have a chase checking, saving and credit card so my checking acct was given. All chase agents ask for my number but never called back. I called again numerous times after speaking to several agents being rude and not willing to hear my concern. Finally, XXXX lady was more helpful than others and reassured me she would expedited my call to be return today due to me being on vacation and not being able to utilize my card. When a call was return the chase agent would say the same thing that the previous lady said, which is someone would call me today. No one called Im currently stuck in XXXX XXXX with no access to my chase acct that has my checking, saving and credit card linked. Ive express how imperative this situation needs to be handled due to me being away from my residence without any other means. I cant not express the disappointment I have been through today I have made a total of XXXX calls without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an account on my credit report that I believe is unauthorized or unknown to me. I request that this account be removed from my credit report immediately. Account Information : Creditor Name : Account Number : Date Opened : Description of the Issue : I have no knowledge of this account and believe it may be the result of identity theft or a reporting error. I have not authorized anyone to open or use this account on my behalf. Enclosed with this letter are copies of documents that support my claim, including [ list any supporting documents, such as identity theft reports or correspondence with the creditor ]. I request that you investigate this matter and remove the account from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the account has been removed. Thank you for your prompt attention to this matter. 

Transunion - XXXX XXXX # XXXX Sincerely, 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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX I went to Wells Fargo bank to open a new checking account.I went inside the bank at XXXX was first customer and as I walked were the desks section was all the bank staff and employees were at the tellers section, everyone of them stare at me with judgement eyes from front entry to desk section for XXXX minutes, then a female bank employee came and ask what I what In a unwelcome voice.I ask to open a new bank checking account and we both sit a desk and I filled out a form to do so, when I complete the for the lady left for XXXX minutes, ( I had a feeling she went to get advise to not let me open a account ) .That what she said, I could not open a checking account, ( at that time she had not told me her name are a business card and on reason why I can not open a account ) .Well I knew if I ask It would be a lie, because I am a XXXX XXXX XXXX senior and XXXX born citizen XXXX have money.I looked her directly in her eyes and asked why, she said because of my address is a hotel, bank will not deliver mail, I pay monthly rent and can get mail and NOBODY are business has ever said that.I was judge as soon I walk in the door was treated unfair.Sure was no standard operating procedure and customer and consumer service none as well as CIVIL rights.this seems to be a business 's operations, no customer service so seniors, low income are prey on as well as vacationers and citizens driving through and I told Arizona governor and looks like the state is issue business permits that allows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are some fraudulent inquiries 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 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE Please take swift action to eliminate the fraudulent entries from my credit report, as they were not authorized by me and are causing me significant XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Today being the XXXX of XX/XX/XXXX I went into the Bank of America branch on XXXX XXXX XXXX XXXX TX by XXXX XXXX to withdraw {$8000.00} The funds are available to withdraw because its an ACH deposit from my XXXX XXXX account. 
The manager after keeping me there for almost an hour told me I cant not withdraw my money because according him my money is on hold for no reason. I told him its an ACH deposited, just like wire transfers and cash are readily available by funds availability laws. He ignored me despite the fact I have been a customer since XXXX and have had similar ACH deposits from the same XXXX and never had a problem. I sent email to the company and no response. I went to XXXX former XXXX  and XXXX  my concern. I think the manager acted because I do not look like him. His demeanor and body language says it all. Let this not happen to anyone else. Its pathetic. I lost business opportunities because of this XXXX  act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: Nelnet, Inc.
State: OK

Complaint narrative:
account XXXX date opened XX/XX/2008 is over 7 years old and is still reporting and hurting my credit. 

They also broke federal law 15 USC 1681a ( d ) ( 1 ) for the reasons above we insist the removal of these accounts from my credit for it is breaking federal law for me as a consumer of the United Sates of American.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX XXXX Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: 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 XXXX XXXX XXXX I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more are incorrect?

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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 2024-04-30 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, LA XXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX ACCOUNTS listed in my FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Apartment complex, XXXX  @ XXXX in XXXX, GA, claims to have billed me for a cleaning fee of {$470.00} after I moved out. Upon move out, at their request when returning all keys, they were provided with a forwarding address to send any future correspondence. I never received any bill for this fee of {$470.00}. 60 days after moving out, I received a collections bill at the provided forwarding address. This was the first and only correspondence I ever received about this cleaning fee. 

I asked the collections company to verify this bill was legitimate as I was never billed directly by the rental property. They sent me a generic copy of a lease agreement that was unsigned and had no information related to my rental agreement. Further, I directly called the rental property to ask why I was never sent a bill for this fee and it was sent directly to a collections agency without giving me the chance to first pay them directly. 

Collections Agency : National Credit Systems, phone number XXXX, account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX in XXXX of 2023 regarding a closing balance on my account. I paid the amount. 

XXXX XXXX XXXX continued to send bills to me, I contacted them and provided financial records showing the payment was made ( credit card statements to XXXX XXXX XXXX for the exact amount ). 

Since that time, I have been contacted by ( 3 ) three different collections agencies seeking payment for this amount. I have sent them all the same financial records. 

I never hear anything back from them, and after a few weeks go by, another different collection agency contacts me with payment demand. 

I paid the debit, given records, and still get harassed for monies. It is quite frustrating!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
- [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b . - [ ] XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX, Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
The official account holder and the organization official Creditor sold account to are both claiming the debt I have brought to there attention and they refuse to move one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sometime around XX/XX/2024 I called Citibank about an unknown charge just to verify if it was real or not. They directed me a location in the XXXX where the customer service rep without giving information said he was locking my account. I asked him not to do that as I had payments to the IRS. They blocked it anyways. Ive been trying to reach anyone and typically put into a loop that doesnt allow me to reach a live person or Im transferred to the XXXX again where Im spoken over and told inaccurate information without help. When I raise my voice after being constantly being spoken over, they hang up on me. Two months I have been unable to access my account, my autopays rejected, my credit has taken a huge hit and automated irs payments go unpaid. All while Im unable to access my funds to this day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
I was told by XXXX that Id receive a refund of PSLF payments I made over the 120 required and that the Treasury would send the payment within 90 days. 90 days has well passed. I made 145 according to their payment counts, so I am expecting 25 overpayments to be refunded. I have contacted XXXX many times only to sit on hold for hours and then never get connected with anyone. I do have a letter from XXXX stating my payment counts are XXXX and that it will take up to 90 days for refunds to be processed. I sent a complaint on XX/XX/24 to the US Department of education asking for help and clarification on the status of my refund as I never received a refund and I have not received any response from my attempts at asking about the refund status from XXXX. The Department of Ed seem just as bad at responding as XXXX as I submitted the complaint on XX/XX/XXXX and an automatic email says they will respond in 30 and Ive received nothing. Ive been working in Public Service since XXXX so how Ive always been told Im in a wrong loan to qualify for PSLF but I finally consolidated into the correct program after being told for many years I cant qualify, and after 23 years of working Ive finally received forgiveness when I should have received after 10 years. This has caused undue stress for my whole working life and now I cant get answers on a refund that I very much should receive as I made 145 payments. 
I appreciate any help in getting answers and getting this resolved without any more excuses of Im in a wrong program, you consolidated after all the payments were made, your loan was discharged so you dont qualify etc ( all excuses Im hearing from others whove been seriously mislead by the Department of Education and the servicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation