vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 JPMorgan Chase Bank Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of Chase , I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that JPMorgan Chase Bank ( JPMCB ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that JPMCB immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
Hello, Chase bank offered me a balance transfer for my Chase Sapphire Reserve card via mail and when I logged into the my banking portal. The offer was 0 % interest rate, for 12 months ( until XX/XX/XXXX ) and then a 20.74 % after the promotional period ends. There was a 5 % fee associated with this offer. I took this offer and on XX/XX/XXXX the {$15000.00} was deposited into my checking account and the {$15000.00} was charged to my credit card ( for what I believed 0 % interest until XX/XX/XXXX ). 

When my credit card statement was distributed today ( XX/XX/XXXX ). The credit card statement said to pay the the full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments to AVOID interest charges. This is not what I believe I agreed to with the balance transfer agreement. 

I called their customer service line twice to understand why my credit card statement said that. Upon calling their customer service line the first time, the customer service representative could not explain why my credit card statement said that or how that amount was calculated. Upon calling the customer service line the second time, again, he customer service representative could not explain why my credit card statement said that or how that amount was calculated. 

It was on the second call where I was transferred to a supervisor that declared that unless I paid that amount in full [ full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments ] that I will not be charged any interested. This is because in the fine print of the contract ( which is being mailed to me in 7-10 business days ), unless I pay that full amount previously noted, I apparently agreed to that any new purchases I am being charged interest from the day of transaction. This is contrast to traditional interest that you incur if you don't pay off your new purchases in full by the due date. 

I believe balance transfer agreement was false advertising, and that is because buried in the fine print ( which I am waiting to be mailed to me and review ) they changed the terms of the original agreement and how they charge interest. It used to be : you incur interest if you don't pay off your new purchases in full by their due date. Whereas now I'm getting charged interest the day of any new purchase. 

The net result is a feeling that a big bank pulled one over on me in the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I received an auto loan from GM Financial in late XXXX. I was in an accident ( only I was involved ) and because of the area of impact on the vehicle, it was declared totaled by XXXX XXXX and XXXX XXXX. I called gm financial to extend the payment date but was told I still had another 30 days before delinquent charges, plus the 7 days makes 37. I didnt know I was supposed to file a second claim with my XXXX XXXX XXXXXXXX XXXX which is now underway. XXXX paid all but the extended warranty ( that I attempted to cancel ) key and XXXX XXXX ( I have the key ). In the mean time, GM financial has charged me over the last three months and I do not think this is fair. Especially since Ive been told different things from more than one representative there and that I thought XXXX  was to reach out to me. Thank you and best regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: LA

Complaint narrative:
XX/XX/2023 {$2300.00} title loan was taking out Im currently living in the state of Louisiana this company is charging me 97.8 % of interest which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
-15 USC 1681c2. Block of information resulting from identity theft.

-Section 605B of the FCRA. 

My request to block the identified transactions are not information related to any transactions authorized by me as the consumer. My request to block the listed items above is not being made in error nor is my request to block these items are being made on the basis of material misrepresentation. 

I declare that these Financial Institutions/ Department did not receive my authorization nor consent ( required by law forms SSA-3288 & SSA-89 ) to be furnished on my consumer report file. As a result of my non consent and authorization, I have listed these accounts and deem them as identity theft. 

See attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on Transunion but XXXX and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but Transition and XXXX have already removed this account XXXX- original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on XXXX but Equifax and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but XXXX and Equifax have already removed this account XXXX original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I SAW A XXXX XXXX OF A FRIEND OF MINE AND SHE WAS SELLING SOME STUFF SO I MESSAGED HER. WELL IT WASN'T HER I WAS MESSAGING. I DID NOT HAVE HER PHONE NUMBER TO ACTUALLY CALL HER SO I JUST MESSAGED HER. I WANTED TO PURCHASE A WASHER AND DRYER AND A GOLF CART SO I SENT HER MONEY THAT SHE HAD ASKED FOR AS A DEPOSIT. BUT SHE KEPT TELLING ME IT WASN'T WORKING AND IT HADN'T CAME OUT OF MY ACCOUNT YET SO I THOUGHT SHE WAS BEING SERIOUS ... WHEN I SENT MORE IT ENDED UP HER GETTING DOUBLE. SHE GAVE ME AN ADDRESS AND MY DAD AND I WENT TO GET THE PURCHASED ITEMS AND I LOOKED IT UP ON HAR.COM AND IT WAS A GOOD ADDRESS, BUT WHEN WE GOT THERE IT WAS AN OLD ABANDONED LOOKING HOUSE. I AM SO STRESSED OUT AND THIS PERSON OR PERSONS HAVE MADE MY LIFE SO MISERABLE RIGHT NOW. I HAVE NEVER HAD THIS HAPPEN AND HOPE NO ONE EVER HAS TO DEAL WITH THIS. I HAVE REACHED OUT TO VENMO, PAYPAL, AND CASH APP, BECAUSE SHE STOLE MONEY FROM ME FROM EACH OF THESE. I AM SO STUPID TO HAVE BELIEVED THIS. I HAVE NO MONEY TO BUY GROCERIES FOR MY FAMILY RIGHT NOW BECASUE I HAVE MESSED UP. ALL PURCHASES HAPPENED ON XX/XX/XXXX. 
VENMO- {$800.00} PAYPAL- {$300.00} CASH APP- {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL- {$1600.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I received an email where they admit they overcharged me {$2.00}. However, in order for them to send me this refund they are requiring me to link my bank account to their system, presumably so they can get access to my banking data. They say it is to verify the address to send the check to. Nonsense. There's no reason I should be required to link my bank account to their system to get they money they overcharged me back. Unless of course they never did overcharge me, and are using this as a way to access my bank data. The whole thing is fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 USC 1681 Section 602 ( a ) states that I have a right to privacy These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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 NEVER gave 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 the accounts listed below IMMEDIATELY! 

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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I did not open ANY account with " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXXXXXX XXXX  and XXXXXXXX XXXX and Experian 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, XXXX, and XXXX. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and XXXX XXXX XXXX  verified the account as accurate when it was not. XXXX XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I did not open ANY account with " THE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. TransUnion 's and XXXX 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, TransUnion, and XXXX. on XX/XX/2023, Transunion investigated ( File Identification Number : XXXX ) and THE XXXX XXXX verified the account as accurate when it was not. The XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I did not open ANY account with " THE XXXX  XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXX 's and Equifax 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with THE XXXX XXXX/XXXX, XXXX, and Equifax. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and THE XXXX XXXX/XXXX  verified the account as accurate when it was not. The XXXX XXXX/XXXX  account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Over the past 3 years I've disputed multiple times with all three bureaus the fact that I should not have to pay full msrp on a vehicle that I do not own anymore. I tried to refinance at the beginning of covid because I was not able to make payments after my employers shut down. I made my last payment in XX/XX/2020 tried to refinance for lower payments and during this time I had also learned that my car had 5 recalls that needed to be taken care of immediately for personal safety. the people I took it to said I needed to pay for the cost of labor but everything else was covered under warrantee. I took my remote and left. I tried talking with customer service multiple times, basically got the run around that I owed them and that was final and they weren't going to allow refinance because I need to make a payment or get it out of a past due balance. Which I understand but with covid going on and waiting on unemployment to go through ( fighting with DoL and past employer for leaving my schedule blank I had pictures though so it took a long time I never got paid til XXXX ) which apparently at some point a tow company came to my mother 's house to repossess my car. I never got any notices in the mail or even so much as a phone call and all my info was updated in the system so they knew where my address at the time was. I lost my mother  in XXXX to an illness and then rhe next week they showed up and repossessed my car. Moratorium was still going on! The guy said he was going to give me my plates but never did he just jumped in his truck and left while I was carrying my things up to the porch I never even finished getting my stuff out I didn't fight with him or anything about taking rhe car but he said that gm would notify my about where it was going and so on. Which they never did that either. Next thing I know I get an onstar notification through email said my car is being fixed and prepared to be resold. I called and waited on hold for 3 hours and my phone died I gave up and then a payment was posted yo my account for XXXX which is what I'm guessing the cat sold for at auction 3 years worth of payments plus that equally out to be about XXXX but they still want XXXX and everything I've disputed they get taken off but jump back on my reports as an auto mobile loan, Installmant loan installment loan retail loan and so on they've literally deducted over XXXX points from my credit score over the course. And now currently I can't get any help what so ever. I'm not in enough debt to file for bankruptcy or for a loan nor can I get a personal loan to fix the other issues I have. My husband two dogs and myself have been homeless for almost a year now and I can not find any help whatsoever I don't know what else to do. This is unfair treatment. Harassment and just plain illegal and inhumane.

Company response to consumer: Closed with explanation