vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited over {$250000.00} more than XXXX months ago, following instructions from Chase representatives. They confirmed that my deposit into the preferred deposit account qualified for a {$2000.00} bonus. Despite this, I have not received the bonus. My tracking number is XXXX. Since XX/XX/year>, I have reached out to Chase multiple times via phone and email, but my {$2000.00} bonus still has not been processed. Can you please look into this? Is Chase going to provide the bonus, yes or no?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>2024 I recently discovered that I lost XXXX reward points, valued at over {$650.00}, subsequent to the closure of my Chase credit card account on XX/XX/year>2024. Despite my expectation that these points would either automatically transfer to an existing account or that I would receive notification regarding their forfeiture, the points disappeared abruptly without adequate warning. 

Today, on XX/XX/scrub> 2024, I contacted Chase customer service and engaged with both a representative and subsequently a supervisor in pursuit of a resolution. Regrettably, they conveyed their inability to restore my points due to the elapsed 30-day period. Furthermore, my attempt to seek redress through XXXX was similarly declined on the grounds of company policy. 

I find Chase 's current policy regarding reward points to be markedly inequitable and akin to an indirect financial loss to consumers. The retention of customers through promises of accrued reward points, followed by their summary forfeiture upon account closure, lacks transparency and fairness. 

In the interest of consumer protection, I urge Chase to reconsider and amend their policy by implementing the following measures : 1. Provide timely notifications following account closure via email, postal mail, and telephone. 
2. Facilitate automatic transfer of accumulated points to an active Chase account, if one exists. 
3. Offer a cash equivalent or voucher for the value of remaining points to customers who do not have an active Chase account. 

These steps are essential to ensure fairness and transparency in customer relations and to effectively safeguard consumer interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I briefly resided in an apartment complex plagued by numerous issues, notably mold and cleanliness problems. During my discussions with management, I was explicitly informed that I could vacate the premises without penalty. However, management resorted to unlawful practices, such as attempting to impose unwarranted late fees. I withheld rent only during periods of active dialogue with management, who frequently delayed responses due to their absences and other reasons. 

The property consistently faced issues, and my complaints resulted in increasingly hostile behavior from the staff. Despite ongoing discussions with their attorney to facilitate my departure and resolve any outstanding matters amicably, I unexpectedly received an eviction notice. Eventually, they withdrew the eviction case, yet shortly after I moved out, Fair Collections & Outsourcing reported an erroneous XXXX  debt on my credit report for unpaid rent, despite no outstanding balance. 

Upon immediate inquiry, I was directed by their attorney 's office to contact FCO directly. Despite sending multiple letters requesting verification of the debt and offering to settle the alleged amount in full, FCO has not responded to any of my correspondences. Even direct appeals to the CEO, XXXX XXXX XXXX  yielded no resolution. 

This unjust collection item prevents me from purchasing a home or obtaining credit. I have been unsuccessful in seeking assistance from credit reporting agencies. Urgent intervention is needed to rectify this matter and expunge this erroneous collection from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with Experian. The dispute with Experian was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the accuracy of certain disclosures in the credit agreement associated with the account XXXX  XXXX, which I believe to be in violation of TILA Section 1026.6. It has come to my attention that the following disclosures are inaccurate and misleading : The date of Last Reported Delinquencies : XXXX, XX/XX/year> These inaccuracies are not only misleading but also a violation of my rights as a consumer under TILA Section 1026.6, which mandates that disclosures must be clear, accurate, and in compliance with federal regulations. 

I request that you promptly correct these inaccuracies or remove this account from my credit file in accordance with TILA regulations and provide me with updated documentation reflecting the accurate terms of the credit agreement. Failure to address this matter within the legally prescribed timeframe may result in further legal action to protect my rights. 

Please provide the following information : Revised and accurate disclosure statements. 
An explanation of how the inaccuracies occurred and were identified. 
Proof of compliance with TILA Section 1026.6 requirements. 
I anticipate your timely response and a satisfactory resolution to this dispute. 

Sincerely,

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 2024-06-29 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: FL

Complaint narrative:
In XXXX I was hacked by a stranger. This person was able to retrieve all my information. They manage to gain access to 4 credit card accounts. They proceeded to try to transfer money in and out of these account causing them to go over limit on all four. 
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 I have filed dispute with Experian and they have verify them and said they are accurate but all these accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  was my daily bank account that I used back in XXXX was also hack I had no access to this account so I would like for this account to be removed from my credit report because this bank is horrible, I told them I couldnt get into account and since hacker change my number to that account I couldnt get in. This fraudulent changes to these accounts cause me to go through a lot of hardship with my XXXX children.

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 2024-06-29 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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: SC

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-06-29 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: TX

Complaint narrative:
I am requesting the removal of all negative accounts from my credit report that have resulted from identity theft. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove any information identified by the consumer as resulting from alleged identity theft within 4 business days of receiving notice. Here is the list of Accounts that needs to be deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. The money for {$2000.00} was taken from my checking account as an ACH transfer on XX/XX/scrub>/24. I tried to stop the transaction but could not. Then money for {$3000.00} was taken from my checking account again on XX/XX/year>24. Again I tried to stop the transaction but could not. After several phone calls to Cash App, they denied my request. They determined that the transactions were authorized by me. Which was not the case. Who ever took my identity, got into my Cash App account and processed the XXXX transactions. I can no longer get into my Cash App account because my information was changed by whoever stole my identity. Cash App, did send a summary of the transactions to me. 
I have been working with XXXX XXXX to resolve this issue. We requested that they reopen my case today. But this afternoon Cash App responded and said the request has been closed. This was on their Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX XXXX Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Reference previous complaint and this complaint for an update on what investigations have determined. 

ID : XXXX I did not authorize the creation of any accounts besides XXXX. Recent investigations have turned up that my brother created them in my name while I was in a XXXX XXXX from XXXX til XXXX. He XXXX XXXX XXXX XXXX So Id appreciate you getting rid of those accounts. I didnt have access to my phone number, emails, or internet while in the XXXX XXXX so how would I have made them?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The TransUnion web page ( XXXX XXXX XXXX XXXX for viewing and placing Fraud Alerts on my TransUnion account has been non-functional for more than 6 months. I've called them about the issue and filed a previous complaint with CFPB, but I still can not view, place, or extent our Fraud Alerts on their web site. 

See the attached picture that shows the broken page with screenshot taken on XX/XX/year>. It has been so for more than 6 months for me. 

The company responded to my previous complaint at CFPB saying that the issue was fixed. It is not ; I still can not access the Fraud Alert page.

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 2024-06-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00}

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 2024-06-29 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: PA

Complaint narrative:
FCRA 605B requires the deletion of incorrect accounts from my credit report. Please examine the documents, as some of the accounts listed have reporting mistakes, inaccurate amounts, and incorrect dates.

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 2024-06-29 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief