vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a XXXX XXXX XXXX and I have a checking account with Chase Bank. 
On XX/XX/XXXX I wrote to Chase Bank, from my XXXX address, asking to close the account and to wire the balance to my XXXX Bank. 
In response, Chase Bank disregarded this instruction and sent a check for the balance to an address in the US at which I had not been resident for 10 years. The current resident kindly alerted me to this. 
It became clear that the check would be of no value in the XXXX as it was made out to a XXXX XXXX XXXX in Arizona that has no validity in the XXXX. I wrote to Chase Bank on XX/XX/XXXX explaining that the check had no value and asking that the account be re-opened so that the balance could be transferred by other means, for example as a check in my name or a directly wired transaction. In response I received a form to re-issue the check. 
I contacted Chase Bank Escalation Team in search of a solution ( case ref XXXX ). After a series of conversations, on XX/XX/XXXX I was advised by Chase Bank Escalation Team that if I presented the check at the counter of a Chase Bank branch in the USA it would be cashed. 
On the basis of this advice, I travelled to the USA and presented it at the counter of the Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Despite presenting full identification and an extensive conversation with XXXX XXXX XXXX XXXX, Branch Manager, Chase Bank were now unable to cash the check and I was obliged to return to the XXXX without the balance of my account and considerably out of pocket from the travel costs. 
Subsequent communications have not identified any method to return the balance of my account to me. 

In summary : - Chase Bank hold the balance of my account. 
Chase Bank disregarded my instructions to close the account and wire the balance to my XXXX bank Instead, Chase Bank sent a check which has no value. 
On the basis of an assurance from Chase Bank, I travelled to the US at considerable expense. 
I hope that the CFPB can assist in the return of the balance of my account and gaining compensation for the time and expense of a fruitless journey to the US from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I paid all my debts in full Experian has 3 late payments on my account not taken off I would like them too wipe my whole credit profile selling all my info on the dark web crossing me and my father info together its Inquirys from whoever stole my info tryna feel out for credit cards on my XXXX and XXXX I mailed letters and email for two years no reply may I please have my credit profiles wiped clean and info up dated my father and I profiles getting merged also

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: VA

Complaint narrative:
My XXXX identity information was comprimized. I have updated my information. They have claimed that my case was closed and have tried to contacted me with the information provided. I have not recieved a phone call or anything from you guys. I have updated my information so here you go my information again. I would like for the decision to be mailed to me at XXXX XXXX XXXX XXXX XXXX VA XXXX. Please take this serious I have not received any payments from them since XX/XX/2022. You all need to help me resolve this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have disputed a child support account that is not mine and does not belong to me. I dont even have a childXXXX XXXX  and XXXX corrected this error but Experian has been XXXX help.the account was removed on two of three credit bureaus but when I submit a dispute with Experian they are no help and dont look into the case and just gives me a generic answer

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have an charged off account XXXX XXXX thats reporting to all three bureaus. And they are reporting an past due balance each month thats been charged off and the account status is reporting open. Please remove

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit bureaus have names, addresses, phone numbers and information that is not my listed on my Credit report. The only info that should be listed is info show on my state real id drivers license that i have attached

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 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
Approximately XXXX years ago I had checked my credit report and noticed an open account by a debt collection agency which sounds very official, by the name of Commonwealth Financial Systems. They are attempting to collect an alleged debt by an original creditor by the name of XXXX XXXX XXXX XXXX. Upon initially speaking with them by phone first, the made statements to me such that if I don't pay this debt they will take anything I have of value to get their money. They claimed to be a legal authority and could even have the sheriff visit my work, and that I need to just grow up and pay my bills. She then hung up on me. I called them again and again inquired about this they are reporting, and stated that I need for them to send me ANY and ALL information they have regarding this alleged debt, because I have never received anything from XXXX  the original creditor nor have I ever received anything from you guys Commonwealth, thie debt collection agency verifying the validity of this alleged debt. So I would greatly appreciate it if someone could send me verification of the validity of the debt, especially since my father has the same name and lived in the state where this creditor is and our credit report has gotten mixed up before. To date I still have not received anything from either party. On top of neither party sending me anything to prove the validity of this alleged debt, I also disputed it through XXXX stating I have no recollection of having an account with Commonwealth Financial Systems or otherwise ever acquired a debt with XXXX XXXX XXXX XXXX, let alone XXXX of which that would incur over {$1000.00}. This is really impacting my credit negatively and not once has my consumer rights been taken seriously at any point. For example never providing me with proof of validity of this alleged debt, nor ever providing me AT ANY POINT with any documents from day one, even from XXXX so that I may have had a chance before this alleged debt even ever hit my credit to pay it or make payments. At this point I need assistance with this matter, from someone with knowledge, experience, and authority. Thank you so much for taking the time to review my complaint and assisting me with this matter. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
XX/XX/22 XXXX at XXXX. My wallet was stolen, including my credit card, debit card and ID prior to this purchase. I reported my credit card stolen and my ID and debit card stolen. When I noticed this charge it wouldve been impossible for me to have purchased these items when I was at work responding to the hospital at that time, also the laws the number that theyre providing as proof that I made this purchase is not below the number that I have not only that but Im positive that they have camera footage of the person using my card at check out or when being checked out by one of their associates. I have provided an example of what my loyalty number is versus the one that they did provide it in a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I have a checking and savings account with Wells Fargo bank. Recently my savings account has been charged with XXXX XXXX monthly service fee and has been since six months back but only now its been posted on my account. I was never charged these fees six months ago and all of a sudden it posted on my savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than 24 hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
i was going to pay usaa off charged off credit card that was XXXX back in XXXX of last year. they informed me that i could make a settlement offer for XXXX dollars. so the next time i called in, i found out my credit card account was sent to XXXX XXXX XXXX. i called XXXX  to make a settlement offer for half the balance of the credit card. they informed me that i would get some kind of letter of release and that my credit report would be updated to where it would say settled in full or settled for less than full. this is not the case. i have not received anything yet. now my credit report updated reflecting the balance paid but the account is still saying i owe money. it is showing that i owe half of what i already paid, which should just show no balance and settled. i called usaa and they said i have to wait 30 days to get a letter from them or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than XXXX hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than 24 hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in XX/XX/2022 i received a copy of my consumer report now I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
this is for usaa federal savings bank. they stated that my consumer loan debt amount would be adjusted on my credit report but it has been more than 30 days and it has not been updated. in accordance with the fair credit reporting act, this company has violated my rights as a consumer/customer. fcra 15 USC 1681 section 602 A states i have the right to privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive written XXXX, TransUnion, and XXXX about settlements I completed with proof and they still report the account. I wrote letters the entire XXXX. 

Collections have been added to my files when the agencies have not reached out to me or the medical bills are apart of a litigation. I submit disputes. No response or change to report has happened. It has been three months since the medical bills have been added and were not my obligation XXXX of XXXX a collection was added to my accounts that I had no knowledge of. 

They continue to report negative items without verification. The agencies continue to report items that were settled and taken care. No matter how many disputes I submit. 

I paid my credit card down in XXXX and for over a month the credit agencies reported a wrong balance. 

I sent letter in XXXX clarifying my current address and name and information I wanted to be on the report and information that is outdated removed. Nothing has changed. 

My fair trade credit reporting rights have been violated.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation