vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023, I learned that my Chase credit card had been denied. I called customer service and they told me that they couldn't tell me anything over the phone. I went to a Chase branch to speak to a banker in person. I learned that Chase had decided to throw me out as a customer for all of my accounts. They could not tell me why and there was no appeal and I was barred from doing any business with Chase for life. I was told that my checking account would be closed within a week or two. I moved all of my cash from savings and brokerage accounts into my checking account that evening. 

On XX/XX/2023, I created an account with XXXX XXXX and wrote a personal check to close out my checking account. On XX/XX/2023, I received a phone call from XXXX XXXX ( while at work ) notifying me that my check was denied by Chase. On the morning of XX/XX/2023, I went to my local Chase branch and learned that in spite of what I had been told in person on XX/XX/XXXX, Chase had in fact closed my checking account on XX/XX/XXXX. The local branch manager was able to override the closure in order to issue me a cashier 's check to close out my account. I then immediately deposited that cashier 's check into my XXXX XXXX account and this time it cleared. However, XXXX ended up charging me a {$12.00} fee for a returned check. 

I searched the internet and they listed activities that may lead to a bank removing someone as a customer, but I had done none of the things listed. It turns out that the XXXX XXXX XXXX did an article about this detailing banks removing hundreds of thousands of customers. See : XXXX XXXX XXXX Although the article used the term " banks '', the only example given in this article was a Chase customer. 

To be fair to Chase, they claimed that they had sent me a warning letter on XX/XX/XXXX. I never received it and since my local post office sends me email each morning with a list of mail to be delivered that day, I checked and up to XX/XX/XXXX there was no mail from Chase that made it to my local post office that was addressed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX.amount {$660.00} closed account.My report include accounts with a reported name that is different that mine .I dont recognize the accounts in question.The reports shows I owed money to an account that is not mine .The current status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act XXXX, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within XXXX business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within XXXX business days I can assume that instructions have been completed. I demand that the accountsbe reopened for use. The closing of the account was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. 
They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act XXXX, XXXX, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited nor re opened the account for use.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
These inquiries are unauthorized and have no purpose being 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 2023-07-26 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: CA

Complaint narrative:
On XX/XX/2023 I was placed for collection ( {$19000.00} ) from XXXX XXXX XXXX. 

It's not me, I never rented a house from the creditor XXXX  at XXXX  XXXX ( Rent/Lease ).

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
Payment details : Auth. ID : XXXX Retrieval Reference Number : XXXX Originally reached out to company on the XXXX of XX/XX/2023 to report transaction as unauth/fradulent posted by XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX. I did not engage in business or facilitate a business transaction with that company on that particular day, full stop. This purchase hit my account though the prepaid, reloadable debit card they provided me. 

Received a LOT of pushback from Bank basically stating that since I've done a **miniscule** amount of business with XXXX XXXX in the past, and on that basis alone, that they couldn't start a review and advised me to reach out to merchant. 

I explained that I already reached out to merchant and that they told me to call the bank ( crypto.com ), that I did NOT authorize this transaction, and insisted they move forward with the request. So they reluctantly proceeded forward with the claim. 

Here 's my problem with the way they handle it. My debit card is immediately frozen as it should be, but they also effectively freeze the provisional credit ( ref. reg E ) disallowing any balance held in my " card account '' to be moved to any other account. They won't send me a new card because I will not send them selfies holding various signs/identifying documents to " update '' my address which hasn't changed. 

Here are some messages from them in response to me asking for them to just move the " card account '' money ( XXXX dollars consisting of their " provisional credit '' ) into my USD wallet so I can, you know, actually access the credit. 

" The process may take up to 45 calendar days from the time of your notice. I am sorry, but our team would need to finish their review so we can be able to proceed to transfer the funds afterward '' How, exactly, is this a " provisional '' credit when their policies prevent you from moving money, which is another way of spending it. I'm pretty sure there are reg violations here since we're way past the 10 mark. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant 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
Consumer complaint received 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Ive contacted Chrysler capital numerous of times as well as XXXX XXXX I have no recognization of said loans on my credit report and I have proof of them not belonging to me and would like for the charge backs to be lifted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$6500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint against TrueAccord Corp, a debt collector, for their violation of debt collection practices and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I received communication from TrueAccord in response to my dispute and request for debt validation regarding an account with XXXX, XXXX. Despite their initial acknowledgment of my dispute and their commitment to pause all collection activities until they provide the requested validation documentation, TrueAccord has continued their collection efforts. 

This action is in direct violation of the FDCPA, which clearly states that a debt collector must cease all collection activities once a consumer disputes a debt or requests validation. TrueAccords disregard for this legal obligation is concerning and has caused significant distress and anxiety. 

I have diligently exercised my rights as a consumer by requesting debt validation to ensure the accuracy and legitimacy of the debt in question. However, TrueAccords failure to comply with the law has led to continued harassment through collection attempts, creating an undue burden on me. 

I am fully aware of my rights under the FDCPA and other relevant consumer protection laws, and I expect TrueAccord to adhere to these laws throughout the debt collection process.

In light of the above, I kindly request the CFPBs assistance in investigating this matter and taking appropriate actions against TrueAccord for their non-compliance with the FDCPA. I also request guidance on how to resolve this dispute lawfully and fairly. 

Enclosed with this complaint are copies of the relevant communication, including my initial debt validation request and TrueAccords response. 

I sincerely appreciate the CFPBs commitment to consumer protection and seek a prompt resolution to this complaint. 


Thank you for your attention to this matter. 

Sincerely, 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 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2022 I paid off my loan with Truist for my XXXX. I paid it the same day that I requested a payoff. They have refused to release my title. I get a monthly statement from them that says the balance is {$0.00}. Total amount due {$0.00}. I would appreciate any help having this resolved and me receiving my title. I have been to two different branches asking for help. I did recieve a letter from a lady at Truist four months ago. I have called and left several messages and she will not respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
XXXX XXXX opened an account on XXXX XXXX XXXX, and has reported my information to the credit bureaus without my consent. Experian is reporting inaccurate information on my report because of this information.

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 2023-07-26 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: CA

Complaint narrative:
This is my complaint for EQUIFAX. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE AN I-TIN NUMBER AND NOT A SOCIAL BUT DESPITE THE SMOUNT OF LETTERS SENT TO THE BUREAUS REQUESTING A REPORT, NO ONE HAS SENT ONE. IN FACT, XXXX, AND EXPERIAN HAS SENT ME A FORM CHARGING ME {$9.00} WHEN I NEVER RECEIVED MY FREE REPORT. XXXX HAS YET TO RESPOND. I DON'T KNOW WHAT TO DO. I NEED MY CREDIT REPORTS TO SEE WHAT I NEED TO DO TO RENT AN APARTMENT. AS OF NOW ITS BEEN 3 MONTHS SINCE I STARTED REQUESTING THIS INFORMATION AND HAVE YET TO RECEIVE IT. CAN YOU PLEASE HELP ME REQUEST MY REPORTS FROM ALL 3 BUREAUS PLEASE. IM INCLOSING ALL MY DOCUMENTS OF IDENTITY. IM KINDLY REQUESTING ALL 3 OF MY REPORTS. I DO NOT HAVE AN SOCIAL, I HAVE AN I-TIN NUMBER.

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 2023-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
Requested approximately 2.5k refund. Only received a check for approximately {$100.00} so am missing most of the refund. Called the company ( EdFinancial ) multiple times over the course of a year and they only claimed they were investigating in a research report. But I still never receive dmy money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I got a text from an unknown number saying that it was my work, they sent me a check and told me to cash it and I did as soon as I realized it wasnt from my work I sent them the money back and thought that was the end of it They hacked my account and stole. {$2000.00} my bank said theyll give me the XXXX that they stole but not the XXXX that was originally sent back because I didnt clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE AN I-TIN NUMBER AND NOT A SOCIAL BUT DESPITE THE SMOUNT OF LETTERS SENT TO THE BUREAUS REQUESTING A REPORT, NO ONE HAS SENT ONE. IN FACT, XXXX, AND XXXX HAS SENT ME A FORM CHARGING ME {$9.00} WHEN I NEVER RECEIVED MY FREE REPORT. EQUIFAX HAS YET TO RESPOND. I DON'T KNOW WHAT TO DO. I NEED MY CREDIT REPORTS TO SEE WHAT I NEED TO DO TO RENT AN APARTMENT. AS OF NOW ITS BEEN 3 MONTHS SINCE I STARTED REQUESTING THIS INFORMATION AND HAVE YET TO RECEIVE IT. CAN YOU PLEASE HELP ME REQUEST MY REPORTS FROM ALL 3 BUREAUS PLEASE. IM INCLOSING ALL MY DOCUMENTS OF IDENTITY. IM KINDLY REQUESTING ALL 3 OF MY REPORTS. I DO NOT HAVE AN SOCIAL, I HAVE AN I-TIN NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I JUST SEE THOSE INQUIRIES ON MY CREDIT REPORT AND ALL OF THEM WAS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX INQUIRY DATE : XX/XX/2023 WAS FRAUD AND SALL DELETE. 

XXXX XXXX ON DATE : XX/XX/2023 SHALL DELETE DUE TO FRAUD. 

DELETE ALL TYHOSE FRAUD INQUIRIES FROM 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 non-monetary relief