vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMCB CARD has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed on my XXXX credit report that there was a hard inquiry from THD/CBNA ( The Home Depot ) on XX/XX/XXXX. I never tried to open a credit card account with The Home Depot on XX/XX/XXXX. On XX/XX/XXXX, I called The Home Depot, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results were : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist and spoke with XXXX. She tried to look up my application through a commercial account. Again, she could not find an account under my name or SS #. She recommended that I send a copy of the hard inquiry for THD/CBNA on XX/XX/XXXX to XXXX XXXX . 

On XX/XX/XXXX, I faxed a dispute letter ( attached ), a FTC ID theft report and a copy of the XXXX hard inquiry to XXXX XXXX and received no response. 

On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist. We were transferred through seven ( 7 ) different departments and individuals and spent over an hour and a half on the phone. No one could find information regarding this application and I was asked to provide my SS # in order for them to find the application request. As The Home Depot could not find my application on XX/XX/XXXX or XX/XX/XXXX with my SS #, I was not comfortable nor confident that they would find it on XX/XX/XXXX, therefore I am reporting this to the CFPB.

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 2023-10-27 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: GA

Complaint narrative:
transunion, XXXX, and XXXX keeps reporting inaccurate info on my consumer profile.

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo disputed some charges that I asked them not so I had to pay again. These charges were from XXXX ( {$1100.00} ) and XXXX XXXX XXXX ( {$100.00} & {$330.00} ). My concert tickets were canceled from XXXX because they disputed the charges so I had to look for tickets last minute and I almost got in trouble from XXXX XXXX XXXX because the payments were disputed. They also did not provide me monetary relief from my previous claim 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 2023-10-27 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 15 USC 1681. 

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

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

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

Company 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited a check for {$1500.00} on XX/XX/23 and have not received my money from Huntington nor did they tell me why I can't receive my funds they will not give me any answers and there closing my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/ I was trying to pay for groceries, but Chase Bank put my account on hold without letting me know what happened. I called Chase and they said I filed 7 claims ranging of amount of money. I informed Chase I did not file any claim or even called them. Never had to file a claim. I asked Chase how did someone file a claim when I never was notified either by text or call? I asked them did they ask " personal questions '' file a claim and they could not answer that question. I was not able to access my money for almost a month due to Chase have to do an investigation. I could not get any money to get to work, renew my license for work or even go to my appointments. I had to borrow money from coworkers so I was able to go to work. I almost lost my job. Now Chase said I owe them almost XXXX How do I owe them money when they never verified if that was me who called. I even do not even knew I can file a claim so how can that be me. Since my account was compromised my account was on hold. I took my money out of Chase and went to another bank. I have been with Chase for over 15 years and now they keep calling me to ask when can I pay my debt? Can I sue Chase for compromised account and them allowing someone filing a claim without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WEALTHFRONT CORPORATION
State: PA

Complaint narrative:
I use my Wealthfront account as a secondary checking account. I had changed my direct deposit to this account on XXXX and my company processed payroll. I logged into my account today and it shows that my account is now closed. There was NO communication about this or any time for me to make other arrangements. Now I have to wait almost another week for the funds to get returned back to my company before I can get my paycheck. This is a terrible way to do business with your customers- at least give them the courtesy of a notice and time to make other arrangements and get the funds out of the account. This is an unfair banking practice that hurts the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When i moved out of apartment, i paid the final bill and have an email proff from apartment showing it is paid and XXXX balance. But they mistakely sent it for collection as well. Now the apartment company points finger to debt collector saying I have already paid and should not be any debt. Debt collector won't remove negative impact on my credit and says i need to pay the amount period. Also won't stop calling me to collect the money. I can provide email proof where needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX  XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/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 2023-10-27 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$950.00XXXX XXXX XXXX XXXX  XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I received a credit card in the mail that I did not apply for. When I called the company they cancelled it and provided me with information for the credit reporting bureaus. I asked if they could tell me how it was applied for and they advised that they didn't have that information. I want to be able to better protect myself but wanted the information to help with that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
1.LVNV Funding LLC balance {$940.00} no action was taken by the company XXXX balance {$750.00} no action was taken by the company XXXX ) XXXX balance {$1100.00} no action was taken by the company XXXX ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$230.00} no action was taken by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. Under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

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 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was on AidVantage 's website and attempted to change my payment plan to lower my payments because these are parents loans for my son and he was going to be making the payment. The website prompted me to submit my income to lower my payment even though I suspected that would not be the case. I assumed I could see what the IDR amount would be and then select the plan I wanted. Instead I was locked into a payment that was 2 times higher than the previous payment. I have attempted to contact by email twice with no response, called 4 times and was on hold for no less than 2 hours each time. I spoke to one person who did not help at all and kept telling me I have no other options. I requested a call back on their website for XX/XX/XXXX at XXXX and the system did call, but the minute it went to transfer me to an agent the call disconnected. I called back and waited on hold for 1 hour before hanging up. I attempted to request another call back and their system could not pull up the available times. 

At this point, I have had to put my loan payments in forbearance to stop the payment until they response to change my payment plan. The loan is gaining interest that it should not be because they are not available to resolve my issue which should be a very simple fix that I have done several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I was robbed and my phone was stollen in XXXX where I live. The robbers were able to access my phone before I was able to call Chase and report the fraud. They had then sent themselves {$2000.00} XXXX transfer from my Chase account to theirs. I called Chase who advised me to fax them a police report from the XXXX, which I did fax to them, only for them to reply to me again saying that the claim is denied even though I have my full statement with the XXXX in the police report the had asked me to provide.

Company response to consumer: Closed with explanation