vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have filed a dispute on XX/XX/XXXX with Chase Bank. I detailed with images of how i have never used digital wallet from which the fraudulent charges were made from XXXX. 7 total charges in the entire month of XXXX. None of the charges were mine. XXXX told me over phone that they agreed none of the charges were authorized by me, but from an unauthorized account. 
{$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$220.00} XX/XX/year> XXXX {$180.00} XX/XX/year> XXXX {$150.00} XX/XX/year> XXXX {$8.00} XX/XX/year> XXXX {$16.00} XX/XX/year> XXXX Chase has issued credit back to my account for only 4 of the 7.

{$200.00} {$16.00} {$8.00} are all still missing from my account. One Chase Fraud department representative argued with me that those transactions were pending and not posted. This is not true. They show as posted and the balance reflects that those charges were made and part of the same claim. I spoke to another who then told me those 3 charges were part of a different claim and that claim was closed. Why a different claim? I filed claim on ALL 7 charges in the month of XXXX. He clarified that they were " pending '' at the time of issuing claim ( that's what the first representative was trying to tell me as if it didn't matter to them that it did post after that claim ), yet could not care less that they DID post after. The amount was drained from my account and never returned. 
The 2nd representative told me i could not file another claim on the rest of the funds owed to me. They are refusing to return my funds for all of the charges. The first representative went as far as to tell me to forget about the total i was missing, and that they issued all i was owed. Forget about the {$220.00} still owed to me?

This is when i read online about seeking help from CFPB Attached is the email from XXXX. 

My original claim with Chase was detailing a digital wallet was used. i have never used digital wallet and showed image of my digital wallet showing no previous card used. I showed screenshots of that. I was receiving random XXXX packages for a XXXX XXXX  name to my address. Random packages contained baby bottles and lotions and dog treats. Nothing clearly totalling what was charged to me. I showed images of the random deliveries i was receiving. I showed a screenshot of the XXXX email after they told me that they processed all 7 charges by an unauthorized party and to immediately contact my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-10 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: AR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX SAID SHE CHECKED HER CREDIT AND SHE SEEN SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON HER CREDIT REPORT, SHE SAID HE NEVER GAVE ANYONE PERMISSION TO RUN HER CREDIT.SHE SAID SHE NEVER RECEIVED ANY MONEY GOODS OR SERVICES FROM THESE COMPANIES.SOMEONE USED MY CREDIT PRETENDING TO BE ME.THE FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account is with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all 3 credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all 3 on or about XX/XX/year>. All 3 credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I called XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint.

All 3 credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have close to XXXX worth on XXXX  in this company. I filed over XXXX tickets and this company keeps closing them without getting through to the resolution. They paused my account and initiated account closure with me, and when I login, it tells me to transfer my balance out to another wallet, that Coinbase is initiating an account closure with me. When I go to do this ( transfer funds to another wallet ), they say my account does not have the privilege to transfer funds. This is completely hypocritical directions that demands you to transfer your funds out and close account but doesn't give you the permission to. This is clearly a scam to keep funds away from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have 5 Auto Loans on my profile that seemed to have happened at the same time. I never purchased one vehicle more less 5

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received an alert this morning ( XX/XX/2024 ) from one of my credit monitoring subscriptions that a " new hard credit inquiry '' has been added to my credit file. From ; Barclay 's BanK DE. I did not apply for credit with Barclay 's or any of their credit cards they service. Upon contacting Barclay 's I asked repeatedly for an understanding as to how this is possible and they only would refer me to the reporting bureau. I also asked twice for a supervisor ; XXXX call I was placed on hold, then hung up on. XXXX call, XXXX seconds later, no supervisor was available

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
I took a loan with " XXXX XXXX '' in XXXX. The loan was serviced/backed by First Tech FCU. Due to unforeseen financial trouble, I defaulted on the loan in XXXX XXXX. The debt was reported to all credit bureaus as a 'write off ; charge off ' back in XXXX. In XX/XX/XXXX, First Tech did a hard inquiry on my credit report without my knowledge or authorization. First Tech then re-reported this same bad debt as a new debt as of XX/XX/XXXX. I called First Tech and requested documentation and they refused to send it to me. The re-reporting of this debt is inaccurate because it is the same debt and it now shows up on my credit reports as 2 separate debts. Also, it shows as a newly defaulted loan - this is also inaccurate information. This has severely impacted my credit score. It is not lawful to report duplicate debts when they are the exact same debt and the timeframe of defaulting must be accurate because that is when the timeframe begins to run on how long it stays on your credit report. I would like the duplicate debt reported by First Tech FCU removed from my credit reports.

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 2024-09-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One - Inquiry date : XX/XX/XXXX - Date opened : XXXX XXXX, XXXX - Credit limit : {$3000.00} - Balance : {$4500.00}. 
I have already disputed this with XXXX, XXXX, and XXXX. But, I had to file a complaint with Capital One and have not heard back from them. That would not have been an issue but I had an alert that XXXX XXXX XXXX  ( collection ) was now on my credit report. I called to see where this came from and it was XXXX XXXX XXXX XXXX  that was opened under one of the addresses that I have disputed and with the numbers that I have disputed. 

XXXX XXXX XXXX ( collection ) - XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Date opened : XX/XX/XXXX - Balance : {$710.00}. 
It showed up on my Credit Report through an alert. I had already frozen all three of my credit reports due to fraud under my name in a Capital One Account & incorrect information on my credit report. The person used a Michigan address, which I told them that I neither have lived in Michigan, I do not have XXXX XXXX XXXX, and I did not recognize any of the five numbers that were opened under the account.

Hard Inquiries of Credit - I have reported to XXXX, XXXX, XXXX that someone has used my ID 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  Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 : wrong name and address on my credit report. Already reported them but they are still on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : wrong address on my credit report. Already tried to dispute these but they still show up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : wrong address on my credit report. I have already tried to dispute this. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-10 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: NY

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

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 2024-09-10 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-09-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete 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 explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete 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 explanation
Consumer complaint received 2024-09-10 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: WA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-10 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX 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. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX  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