vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX I used a Chase credit card promo balance transfer of {$15000.00}. In XXXX I contatced because the online login didnt specify the amount I needed to pay without incurring interest. The representative said it would probably take another business cycle before this would show. But she said that if I pay the statement balance that was above the balance transfer amount each month I would be fine in not incurring interest. I contacted them today, because I had been charged these past XXXX months interest, even though I had paid like she told me. I spent over XXXX mins talking with another woman that was as confused as I and had to calculate the payment and agreed that I should not have been charged the interest. I asked her to remove those interest charges and she said she could do XXXX of them but wasnt sure why she wasnt able to do the other. So, I asked for someone that could help me fix this. I got a supervisor that ended up waiving both, BUT told me that going forward I would be charged interest on any new purchase, even if I pay that amount when I receive the statement - because I have a balance transfer balance. She basically said that I can not use the credit card without an interest charge until the balance transfer balance is paid off. Which by the way I paid a fee for the balance transfer too. I have been a Chase customer for many many years and this is unprofessional and unexceptable. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. List : Creditor Name : XXXX XXXX XXXX, Account Number : XXXX, Month/Year of Late Payment : XX/XX/year> I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Best Regards ( Insert Name ) Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
There is a gambling wallet called Skrill, on XX/XX/XXXX there was a fraudulent transaction and ever since then they have locked my account from making transactions. For the first few weeks, it was just locked and I couldn't access it while I did a bunch of unnecessary security measures, then after it was finally unlocked I was still not able to make any transactions or use the card they gave me. 

At the time of this message there is {$4200.00} in the account. I have reached out several times to them and they keep saying that my case is " under review '', however it has been far too long for me to believe they aren't trying to just rob me at this point. They will not respond for weeks at a time and calling their XXXX customer support number usually leads to me not getting through to anyone because there is no available customer support agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A account was opened without my Authorization or consent, the account was opened XXXX XXXX and the name is JPMCB CARD SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Dear Carrington Mortgage Services, I am writing to formally dispute an inaccurate late payment report reflected on my credit report for XX/XX/year>. Upon reviewing my credit history with my loan officer, I was alarmed to discover a late payment notation for that month. I need to clarify that this report is erroneous. 

In XXXXXXXX XXXX, I sold my property, which was subsequently paid off in full. Given that the mortgage was fully settled before that month, there should be no record of a late payment for XX/XX/year>. Furthermore, I did not receive any statements during that time, potentially contributing to a misapplication of payments or a delay in processing. 

It is crucial to note that during this period, I was facing a significant medical emergency, which led to hospitalization. While I did my utmost to ensure all financial obligations were met, the medical situation may have impacted my ability to manage paperwork and payments directly. Nevertheless, this does not alter the fact that the mortgage was paid off as agreed. 

The erroneous late payment report is causing severe repercussions, including denials of credit extensions, which is unjust given my adherence to the payment schedule and the fact that the loan was entirely satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX and XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
They're reporting a debt I never agreed to. Out of the blue, I found out CREDIT COLLECTION SERVICES put a debt on my credit report. The thing is, I never agreed to this debt. I never signed anything, never shook hands on it, nothing. It feels like they're trying to force me to pay something I don't owe. 

There's no real contract. I've always believed that for a debt to be valid, there needs to be an agreement between two parties. But I never made any agreement with CREDIT COLLECTION SERVICES. I didn't sign anything, I didn't agree to anything verbally - there's just nothing there. How can they try to collect on something that doesn't exist? 

They didn't follow the rules to prove the debt is real. From what I understand, debt collectors are supposed to follow certain steps to validate a debt. CREDIT COLLECTION SERVICES didn't do any of that. They didn't send me a notice about the debt. They didn't tell me how much I supposedly owe or who I'm supposed to owe it to. They didn't tell me about my rights to dispute it. 

This whole thing feels unfair and deceptive. Putting all of this together, reporting a debt I never agreed to, trying to collect without a real contract, and not following the rules to prove the debt is legitimate- it just feels wrong. I feel like they're trying to trick me, and it's causing me a lot of stress and worry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
I am submitting this formal complaint to the CFPB regarding several fraudulent accounts and inquiries that have been inaccurately reported on my credit report. Despite multiple attempts to resolve these issues directly with the credit bureaus, the inaccuracies persist. The fraudulent entries in question have significantly damaged my credit profile, causing undue stress and financial difficulties. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX ( XXXX inquiries ) XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry XXXX : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX These entries have no basis in my personal or financial history and clearly violate the Fair Credit Reporting Act ( 15 USC 1681 ). The presence of these fraudulent accounts and inquiries on my credit report not only defames my character but has also caused severe emotional distress and financial hardship. They have negatively impacted my ability to secure housing, credit, and other essential services. 

Legal Basis for Dispute : The following legal provisions have been violated : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and fairness in credit reporting.

Section 609 ( a ) ( 1 ) ( A ) : Right to dispute inaccurate information.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates clear, conspicuous, and accurate information reporting.

15 USC 1692c, 15 USC 1601, 15 USC 1602p, and 15 USC 168 : Protect consumers from unfair, deceptive, and abusive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: MI

Complaint narrative:
TransUnion XXXX and XXXX have been reporting inquiries that I do not give permission for these companies to report on my file. thats fraud, identity theft, and a violation of the privacy act of XXXX the CRAs are in direct violation of federal law to report these inquiries. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: MI

Complaint narrative:
XXXX Equifax and XXXX have been reporting inquiries that I do not give permission for these companies to report on my file. thats fraud, identity theft, and a violation of the privacy act of XXXX the CRAs are in direct violation of federal law to report these inquiries. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was recently notified about a hard inquiry on my consumer report and after looking into the matter I noticed several hard inquiries from different companies. The hard inquiries listed are unauthorized. Please remove them. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident Verify 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 explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX separate occasions I disputed transactions with Chime bank because of fraud and they declined to return my funds. Totaling {$900.00}. Each merchant can not be contacted or refused to return my money. XXXX XXXX  {$400.00} paid XXXX XXXX, XXXX {$150.00} XXXX XXXX {$240.00} contact number constantly ringing busy and we never finalized agreement my social security card was needed and I never provided it because it was stolen. Chime denied dispute. XXXX XXXX {$400.00} on XXXX XXXX XXXX my son somehow went on my phone and sent himself money. Chime denied my dispute and I appealed and spoke with XXXX who gave me a date XX/XX/XXXX that I would hear back from them and no contact was made not even email. XXXX {$100.00} on XX/XX/XXXX I paid for merchandise to be delivered and he refused to bring it after I paid saying there was a delivery fee of {$50.00} that was not discussed or posted at the time of purchase so I cancelled the transaction. Chime denied dispute and put it under loss of merchandise when I told them cancelled transaction making it not eligible for immediate refund due to insurance. I stressed that I would do my dispute on my own but they are determined to do them

Company response to consumer: Closed with explanation