vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I posses an savings account with Discover Bank. The account has had a {$0.00} balance since XX/XX/year>. I desire to close this account. 

I called Discover Bank around XX/XX/year> to request account closure, but they refused, stating that I needed to submit a notarized form. On XX/XX/year>, I again called to request account closure, and the same response was provided to me. I called a second time on that day and pointed out that the deposit agreement between myself and Discover Bank states that a notarized form may be required in some circumstances, but it does not specify such a form is required for account closure. I also emphasized that I had followed the procedures outlined in the agreement to close my account. When I asked where the notarization requirement was specified in any of my agreements with Discover Bank, the agent stated they were unaware but again reiterated that I would need to submit a notarized form to close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found inquiries on my report that i dont recognize such as factual data on XX/XX/2024 on XXXX  and transunion

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 2024-12-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been banking with Chase for nearly 25 years ( it was Washington Mutual before Chase purchased it ) and Chase was the first financial institution that came to mind when I decided to open my sons first bank account. 

Sadly, this experience for both my son and I, has been negative and extremely stressful. I opened my sons XXXX XXXX checking/savings accounts in late XX/XX/year> and a few weeks after, hackers sent a series of text messages to my sons phone. My XXXX naively clicked on the link. That triggered a series of fraudulent transactions, and we now have {$670.00} missing from my savings account, in addition to the {$230.00} from my sons checking/savings accounts. Thats a total of {$900.00}. 

Without any prior notice via mail, email, text, or even the bank notification system, Chase closed my sons accounts and my savings account that was attached to his. Since XX/XX/year> I have visited Chase agents in person twice and have made XXXX different phone calls to Chases Claims Department try to understand and clarify this situation. 

Chase mailed me a check with my savings remaining balance and a letter indicating they had identified at least XXXX fraudulent checks deposited into my sons account and then XXXX to some unknown accounts ( at least unknown to my son and I ). Another level to this situation is that scammers somehow deposited XXXX good checks for {$500.00} each into my sons account. Those {$1000.00} are sitting in my sons now closed account, meaning some other victim of this hack is missing {$1000.00} from their account. 

In my last phone call, a Chase agent told me I needed to file a formal complaint at my Chase branch because Chase is holding my remaining funds based on a fraud scam. I did precisely that and the XXXX, XXXX branch XXXX was very kind, professional, and helpful. The XXXX escalated my case and I received a call from XXXX, a Chase escalation/fraud team member. XXXX concluded that I would not receive my {$900.00} back because my son had granted permission to the hackers to access his account. This was the conclusion, despite Chase identifying the entire situation as fraud. XXXX also said Chase could not recover my {$900.00} because some money had been XXXX and that I had to now take on this issue with XXXX. 

I feel lost and very frustrated. I would appreciate your help with this matter. Please feel free to contact me if you need documents or further explanation to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. 
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 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-12-27 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: Experian Information Solutions Inc.
State: CA

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against the credit bureaus for failing to properly address issues with my XXXX account reporting, and I request immediate investigation and resolution. Additionally, I request that the following statement be added to my XXXX account : " Paid in full, including all fees, but XXXX never provided proper debt validation or a complete breakdown of charges, despite multiple requests. This occurred during XXXX. I was assured the account would be removed from my credit report after payment, but XXXX did not honor this agreement. '' Details of the Issue : Failure to Provide XXXX XXXX : XXXX did not provide proper debt validation or a complete breakdown of the charges on the account, despite my repeated requests. 
This lack of transparency caused significant stress, particularly as this issue arose during the XXXX pandemic. 
Payment Made in Full : Despite the lack of validation, I paid the account in full, including additional fees and charges. 
I was explicitly told by XXXX that the account would be removed from my credit report once the payment was completed. 
Failure to Remove the Account : XXXX did not follow through on their assurance to remove the account from my credit report after payment. This constitutes a breach of their promise and has negatively impacted my credit score and financial standing. 
Credit Bureaus XXXX XXXX XXXX : Despite my disputes and requests, the credit bureaus have failed to properly investigate this issue or resolve the inaccuracies in the reporting of my XXXX account. 
XXXX XXXX : I request the following actions : XXXX XXXX : Ensure that the above statement is added to my XXXX account reporting to accurately reflect the situation. 
Thorough Investigation : XXXX XXXX to conduct a thorough investigation into this matter, including validation of the debt, a breakdown of all charges, and the circumstances surrounding their failure to remove the account as promised. 
Account Removal : Remove the XXXX account from my credit report, as I was assured it would be, following payment in full. 
Compensation : Investigate and hold XXXX accountable for their actions, including compensation for the stress, financial harm, and breach of their agreement during a time of hardship. 
Credit Bureau XXXX : Ensure that the credit bureaus are compliant with their obligations under the FCRA to investigate disputes and report accurate information. 
I trust the CFPB will investigate this matter thoroughly and take the necessary steps to ensure my rights as a consumer are upheld. 

Thank you for your attention and action on this matter.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America frequently changes the date of charges and arranges them in a way that causes the consumer to go into debt. They pull money out when asked not too. They turn off overdraft protection when the account is created with it. Contacted the company but was told that there wasnt anything they could do.

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
I Was transferred to Lexington law told to pay XXXX XXXX a month I need to work with in order to fix credit too do XXXX XXXX XXXX home paid for months credit never got fixed asked whats going on couldnt he answers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: OH

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The debt collector has agreeded to remove this account due to identify theft and this fraudulent debt had been removed form all other credit reporting agencies such as XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CT

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-12-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
I recently opened a high yield online savings account and the account was set up as a joint account for me and my wife XXXX. 

My wife received an email or text to verify information and she did that. XXXX kept sending her the same information multiple times We decided that XXXX is not reliable and asked to close the account. 

I keep receiving emails from XXXX to fund my account. I called XXXX and spoke to 2 representatives who indicated that my account was closed. 

Yet, I keep receiving these emails to fund my account. I can still go into the banking app even though they said that it was closed.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to notify XXXX that I dispute the alleged debt pursuant of the Fair Debt Collection Practices Act, specifically 15 USC 1692g . I am exercising my right to request verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter, have first-Hand knowledge and must be notarized for the following accounts : Account XXXX XXXX XXXX Account.. XXXX XXXX Account.. XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account.. XXXX XXXX XXXX  Account. XXXX XXXX XXXX  I hear-by inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Please be advised that any further attempts to contact me regarding this debt will be considered a violation of the Fair Debt Collection Practices Act. I expect that you will comply with this request and cease all communication immediately.

Additionally, I request that you provide written confirmation that you have received this notice and will cease all communication regarding this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft.

Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There is an account on my report which does not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent Inquiry be deleted from my TransUnion credit report immediately.

Please remove the following unauthorized hard inquiry from my TransUnion credit report : XXXX XXXX - XX/XX/year> Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: WA

Complaint narrative:
They pulled money from an account that I did not say they had authorization to the account they pulled money from is not in my contract and I didnt not give them ACH authorization for the account the pulled money from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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