vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband is XXXX XXXX XXXX and was deceived by a " you won a big PRIZE!! '' scam. The scammers told him to pre-pay " fees & taxes '' by sending them XXXX  of dollars worth of gift cards. He purchased these gift cards by using credit cards. The scammers then threatened him and coerced him into sending more and more money. 

When I found out what was going on, I immediately tried to stop it. I notified the authorities ( police, FBI, etc. ) Since my husband was not capable of handling the situation himself, I obtained a power of attorney to act on his behalf. I contacted the credit card companies and asked them to delete the charges that were a direct result of my husband being terrorized by the scammers. 

The credit card companies refused to honor my POA and they refused to delete the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: DISCOVER BANK
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am XXXX XXXX military for over a year. AMEX has been trying to charge me a {$700.00} annual fee for the platinum card that is suppose to be waived. They claim I am not eligible and continue to get denied by the DoD. I have requested for re-evaluation twice, opened a case and submitted my orders from XXXX  that proves I have been on a continuous strain of orders ( since before they began claiming me indelible through the present, and finally I submitted a complaint to have the case looked at. All of which have been turned down and closed because " I am ineligible ''. They still have not provided an actual reason as to why I am ineligible. To my knowledge I just need to be XXXX  XXXX XXXX military, which I have been, and I have provided the documentation for that. I am trying to avoid paying {$700.00} out of pocket because the DOD won't review my actual records on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This auto loan was opened fraudulently. I've been fighting fraud for years and this account on my credit report is one of many. My identity was stolen when I was XXXX and I've seen been placing fraud alerts on my credit files to prevent fraudulent accounts being opened in my name. 

I have documentation from the IRS and police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ; XXXX  : # XXXX ; XXXX XXXX XXXX : # XXXX. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-20 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: WI

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I was trying to withdraw money to pay my rent and get my car back and my bank blocked my account. I have the same number opened with the bank so I can receive a call to verify. I have been given the run around. I just need my money so I wont be evicted by Tuesday. I cant wait 7-10 business days. Please help me speak to a higher authority so I can verify any information and even go into the branch to verify any information.

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous & Associates im unware of this debt i did not have tje oppurtunity to dispute this information if in fact you believe you gave proper notication plezsr send me the certified mail with my signatuer on it sign stating i receive it. and furhish proof that you are license and bonded to collect a debt i donnt believe you can collect in tje state of New York

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I went into BMO ( formerly Bank of the West ) on XX/XX/XXXX on XXXX and XXXX XXXX and I spoke to XXXX the bank manager about the information Bank of the West had listed on my XXXX XXXX report from ( XXXX during COVID ). XXXX would not listen and she kept looking at her phone. ( When she did listen she ended up calling another number on my Credit Report ) That was not associated with my account. I called XXXX XXXX and I asked her to speak to them as the information was not accurate. XXXX refused and I got upset and left. The manager from the BMO office on XXXX called me and told me to immediately close my accounts as they refuse to do business with someone like me. ( Her character was unprofessional, mean and nasty ). She refused to listen to me. Dated in XXXX on my report it says account closed for " Account Abuse ''. Don't know what that means as Bank of the West is closed. I remember during that time of COVID I borrowed {$600.00} from the Bank of the West..COVID hit and I got behind because I had no job. I did pay all monies, including penalties of {$1200.00} to Bank of the West. Life continued and I still banked with Bank of the West. I asked for a new checking account in XX/XX/XXXX due to ongoing charges coming out of my checking account without my permission. XXXX was kind to open a new account. I was immediately notified they were closing my account as of XX/XX/XXXX due to the information on my report from XXXX. 

The bank manager I spoke to on XX/XX/XXXX was mean and nasty and refused to assist me in rectifying this situation from XXXX. I know I am not perfect and I have had issues that have arisen and have had NSF fees on my account. I lost my husband of 25 years last XX/XX/XXXX. I have made many mistakes during the year. Grief is Horrible and the first year is foggy, confusing, scary and all the above. I do NOT owe monies to the bank. To be treated as I was and told by the bank manager on XXXX losing my husband was not her problem it was mine and again my relationship with the bank is over as they will not do business with a person like me. ( I am extremely upset ). To be treated with no respect and malicious intent was gross and disgusting. ( I did not commit to wire fraud or write checks all over town ) to be treated as such like I said is Disgusting. My accounts are closed and I will no longer do business with such nastiness. 

I have been to other banks and they treat you with respect and thoughtfulness. 

I hope you have the opportunity to re-train your staff about customer service and the importance of a smile, kindness, and how consideration goes a long way.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MN

Complaint narrative:
Originally reached out to company to dispute inaccurate data company, confirmed it was within FCRA, I supplied data stating account information was wrong with the credit bureau equitably XXXX and XXXX information came back verified and accurate gave them proper documentation stating my last date of activity was wrong and my opening date was wrong company has failed to fix information but instead sends me statements stating my account is mine and they originally closed my account due to negligence stating it was suspected that my account suspected the account was not mine I tried to keep my account but they closed it without letting me keep itll they failed to update my credit information so I would like this account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: GA

Complaint narrative:
This auto loan was opened fraudulently. I've been fighting fraud for years and this account on my credit report is one of many. My identity was stolen when I was XXXX and I've seen been placing fraud alerts on my credit files to prevent fraudulent accounts being opened in my name. 

I have documentation from the IRS and police reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am having trouble getting the company to understand why my transfer to my external account takes 3 days, when my daughter XXXX XXXX account takes seconds for transfer. As well as friends and family, who also back with JP Morgan chase and use XXXX XXXX  as their external account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ; XXXX : # XXXX ; and XXXX XXXX XXXX : # XXXX. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-07-20 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: NJ

Complaint narrative:
I was Notified back in XXXX that this credit did in fact mark this account as fraud and its XXXX and this account is still on my credit profile as fast as they report these accounts it should be fast as they take them off Im in the process of home buying process and this account has XXXX late payments on it as well and again this was because of fraud

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 2024-07-20 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: WI

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: WI

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).

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 2024-07-20 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: CA

Complaint narrative:
PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: CA

Complaint narrative:
PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was Notified back in XXXX that this credit did in fact mark this account as fraud and its XXXX and this account is still on my credit profile as fast as they report these accounts it should be fast as they take them off Im in the process of home buying process and this account has XXXX late payments on it as well and again this was because of fraud

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was Notified back in XXXX that this credit did in fact mark this account as fraud and its XXXX and this account is still on my credit profile as fast as they report these accounts it should be fast as they take them off Im in the process of home buying process and this account has XXXX late payments on it as well and again this was because of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: CT

Complaint narrative:
Holloway Credit Solutions does not meet the requirements to collect in the state of Connecticut. According to : XXXX XXXX XXXX they do not have a license to collect in the state of Connecticut when you search their company name in the search bar. They aren't providing evidence bearing my signature, nor are they providing a calculation of the amount that they claim I owe. These are illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
EXPERIAN HAS This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

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