vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I was being scammed by someone claiming that they were with XXXX XXXX. Before I caught on, they had reverse previous bills that were already paid. I called Chase Bank to stop the investigation, they replied that once they started it could not be stopped. I explained that it was not me, and that you did not do a complete verification of my information. And why did you not think that something was wrong when the reversals of all paid accounts went back XXXX months. I tried to get them ( Chase ), to repay all of the accounts, as of today they still have not paid any accounts. I explained that my water will be turned off if they do not immediately pay the water company. I have been on the phone for hours, with no luck. My last call I was told that the verification 's system was down, that I should call back in XXXX to XXXX hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
IN XXXX XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY XXXX XXXX XXXX'. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} XXXX CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XX/XX/2020 I opened a bank account with JP Morgan Chase using a check from a payday loan. When I went into the branch I was advised that my account had been closed and Chase no longer wanted to do business ' with me. unbeknown to me, The check i deposited was a fraudulent check. I gave them the debit card back and exited the building located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. I decided recently to open an account with Chase and I came to find out another account was opened in my name that I had no knowledge of. And some how over {$1000.00} was deposited in that account. Going by the statements The account was opened with over {$1000.00} deposited into that account from my wife 's account and the account had one transaction which was foreign currency in which I have no experience with and have never traveled abroad. The rest was debited at {$12.00} per month in service fees for 3 years. The account remained dormant. I am demanding all of my money back that was debited from my account as I was completely unaware of this account. And it appears my wife 's account had been breeched as well. As she had no knowledge of the funds transfer. I dont understand how a bank can allow an account to be dormant for over XXXX and not report the funds to the state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NY

Complaint narrative:
I am writing to urgently dispute delinquent payment statuses on two XXXX XXXX credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the XXXX XXXX cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.

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 2023-10-31 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am a victim of identity theft. Two fraudulent credit card accounts were opened with my personal information in XXXX, XXXX from American Express ( balance : {$11000.00} ), and the other from XXXXXXXX XXXX ( balance : {$1000.00} ). I never opened these accounts or allowed other people to open them on behalf of me. I never benefited from any of these two accounts. I am never affiliated with the addresses associated with these two accounts, and I never received any cards from these two creditors. After I discovered the fraud accounts on my credit reports in XXXX, I filed the police report and FTC report and sent them to both creditors. XXXXXXXX XXXX accepted my dispute claim. However, American Express handles the fraud case in an unprofessional and negligent way, which has tortured me for more than one year. My communications with American Express are listed below : XX/XX/XXXX The fraud account was discovered, and I started working with American Express to file a proper claim. 
XX/XX/XXXX XX/XX/XXXX XXXX dispute claims have been submitted with proper documentation, but all claims were denied by American Express : We have reviewed your dispute and are unable to accept your claim since you received and used the Card issued in your name.. During this period, I called the American Express fraud department countless times, and all representatives refused to provide more detailed information to explain why the dispute was denied. The cases were usually denied within 6 calendar days since they were created. 
XX/XX/XXXX Started working with a specialist from the American Express XXXXraud department. I provided all the information as requested by the specialist. In our last call, the specialist scheduled our next call on XX/XX/XXXX, but I never heard back from him ever since. 
XX/XX/XXXX A debt collection company reached out to collect the debt on the fault account. I told them that this is a fraud and the representative marked it as a fraud. 
XX/XX/XXXX Started working with a representative from the American Express Executive Office XXXX EXT XXXX. 
XX/XX/XXXX The representative advised that the claim had again been denied even after providing all requested information. The fraud team has done some research to come to the conclusion that you have benefited from the use of the card. The representative refused to provide any additional details about the research done by the fraud team and told me that this is the final decision. 
XX/XX/XXXX Submitted proper request to American Express XXXX but no response as of XX/XX/XXXX. Tracking Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
Transunion refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Transunion accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

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 2023-10-31 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: NC

Complaint narrative:
Equifax is reporting an account containing fraudulent charges after providing them with relevant data. ( Dispute and Police Reports ) They responded saying that the account is verified. I reached out to the creditor and all they can tell me is that the account has information matching a public record pertaining to me. The account or the charges can't be verified, only providing billing statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear CFPB Representative, I hope this message finds you well. I am writing to seek urgent assistance and intervention in a financial matter that has caused significant distress and extreme XXXX. 

On XX/XX/2023, I opened XXXX accounts, the XXXX XXXX Account and the XXXX XXXX XXXX XXXX, with BMO through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. XXXX asserts that the {$25000.00} was returned to my XXXX account on the same day as the {$25.00}, but this substantial sum has not been credited to my XXXX account. I subsequently engaged with XXXX, providing them with all pertinent details and initiating a dispute investigation. Regrettably, after their investigation, XXXX conveyed their inability to locate the disputed funds and redirected me to seek a resolution from XXXX. My latest conversation with BMO, specifically with their XXXX department, failed to yield any tangible resolution or guidance. Their suggestion to visit a physical branch is not feasible, as there is no XXXX branch in my residing state. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00} and in holding both BMO and XXXX accountable for their roles in this issue. 

I would appreciate your immediate intervention and guidance on steps to reclaim the missing funds and to ensure accountability from both financial institutions involved. 
I am willing to provide any additional information or documentation necessary to expedite the resolution of this matter. 

Thank you so much! 
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 2023-10-31 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank is supposed to award me {$200.00} cash back after {$1000.00} spent according to a preapproved promo mailer. 

They keep getting it wrong and have not awarded me my money. 

Tech difficulties with their portal also prevent messages from being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXX XXXX {$5900.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) {$3600.00} XXXX {$3000.00} XXXX  XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) {$1500.00} XXXX  {$1100.00} XXXX  XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) {$1000.00} XXXX XXXX {$850.00} XXXX XXXX  XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX {$700.00} XXXX  XXXX {$1400.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

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 2023-10-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX and XXXX XXXX # XXXX 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. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX and XXXX XXXX # XXXX 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. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I am writing to file a formal complaint against Chase Bank due to the sudden closure of my account without any prior notice or valid explanation. As a longstanding customer with a commendable history of financial responsibility, I was surprised and distressed by this unexpected action. Despite numerous attempts to obtain clarification from the bank, I have not received any satisfactory explanation for the closure of my account. 

The sudden closure of my account has caused significant inconvenience and financial disruption. Without any explanation from Chase Bank, I have been unable to understand the reason behind this decision or take appropriate measures to resolve any potential issues. This abrupt action has not only impacted my personal finances but has also caused me considerable stress and frustration. 

I request your urgent intervention in this matter to ensure that I receive a clear and valid explanation from Chase Bank regarding the closure of my account. Additionally, I seek your assistance in ensuring that Chase Bank adheres to all relevant banking regulations and standards, providing customers with transparent communication and fair treatment. 

Enclosed with this letter, please find copies of all relevant documents related to my account with Chase Bank, including any correspondence that I have attempted to initiate with the bank regarding this matter. 

I am hopeful that with your assistance, I will be able to resolve this issue promptly and receive the necessary information to understand the reasons behind the sudden closure of my account. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For 12 months TransUnion kept me from accessing my report and also my disputes section of the website. I have uploaded an attachment screenshot of the page I have been unable to get past for 12 months. I have contacted there IT department and the website continues to deny my account access to the disputes section and report section. They made it impossible for me to file a dispute on my report by denying me access to this section. This hints at internal fraud and errors on my report. I noticed they had an XXXX mans name under my report. His last name was XXXX. They kept asking me about him when proofing my account by phone. They made it so I can not do anything on my account online unless I call them only on the phone. They kept me out of my account using tech support. I logged in from XXXX XXXX, the library, school, and work and got the same technical issues. This let me know they intentionally kept me out of my account so I could not fix the errors they made in my 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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and 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 2023-10-31 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: AZ

Complaint narrative:
I'm trying to buy house and i came out of covid and collections and late payments are affecting my credit report collection company are not being professional according to the 15 USC1681 law there should not be any damages on report is defamation to my character

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