vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX XXXX i was sent a letter stating that " After careful consideration, we decided to close your accounts because of unexpected activity on this or another chase account '' I haven't used my account in any way thats unordinary. Ive been banking with chase now for over 13 years and they closed all my debit accounts, including accounts where i am just an authorized user and not the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/ I received an email from Chase bank notifying me that they received an application for a Chase Freedom Unlimited Card in my name. I did not apply for this card. Since it was already evening I decided I would call in the morning to report the error. Unfortunately, Chase approved the application during the night. I called around XXXXXXXX  on XX/XX/ to report the fraud. Chase 's fraud department informed me that since the card was already approved I needed to call customer service. I then called customer service and closed the account before any charges could be made. Subsequently, Chase provided me with a letter confirming the account has been closed but they refused to include any information on the letter about the fact that the account was opened without my permission. Next I contacted XXXX and placed a freeze on my credit report. I also filed a dispute to have the account and inquiry removed from my credit report. XXXX completed their investigation but refused to remove the account without a letter from the CFPB. That is why I am filing this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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:
On XXXX XXXX XXXX I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. XXXX replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/XXXX  so that means the credit bureau did not thoroughly investigate this 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 non-monetary relief
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX   I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. XXXX replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/XXXX  so that means the credit bureau did not thoroughly investigate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank 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 2023-06-20 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/

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 2023-06-20 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:
There is false information 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 non-monetary relief
Consumer complaint received 2023-06-20 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:
There is false information 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 2023-06-20 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
i noticed my credit had a hard inquiry on it for an outstanding balance of XXXX dollars for the company XXXX i went to the police station and filed the report i would like this account removed from my credit

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I cashed a check from my business account at XXXX XXXX XXXX in XXXX PA for {$9000.00} and deposited XXXX of it into my checking account at Wells Fargo Bank in XXXX FL. My balance at Wells before that was {$1200.00}. The receipt and teller told me that {$400.00} of the XXXX deposited would be available right away and the rest on XX/XX/XXXX, the next day. The next day, XX/XX/XXXX I got an email from the bank saying that the funds will be held until XX/XX/XXXX ( 12 days ). I also got another email stating that my Ending Balance was {$2700.00} and my Available Balance was - {$6300.00}. I checked with XXXX XXXX and found that they cleared the check for {$9000.00} on the XXXX, the same day I cashed it. I went to the Wells Fargo bank on the XXXX and showed them that the check had cleared my bank and even showed them a copy of the cleared check from my bank. The person XXXX called someone and told the story and was told that nothing could be done. I asked her to make a complaint for me and she did it while I was there. I also called Wells at the number on my banking app on the XXXX and was told nothing that could be done to make my funds available before the XXXX. Today I got a letter in the mail dated XX/XX/XXXX stating that the money was being held for " Unusual deposit account activity '' until XX/XX/XXXX. There was no information on the letter about who I could contact to correct this.

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 2023-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: CA

Complaint narrative:
This bank like institution whom in the past couple years I've hadn't had many problems with, decided to try and feed me XXXX. The month prior they have this incentive that allows you to send what they call a boost that's sepperate from their other products basically stating that I can send 5 boost to people aswell as receive XXXX back in the amount of XXXX dollars. Well my friend asked me to do that for him and I did but he claimed he never got it and I showed him that I sent it ... he sent one to me and I received his. So I sent it back. So this month curiously I emptied my account before the 1st to show a XXXX balance and requested he send me a boost. I got confirmation from this banking app that he sent one. But I never received it. I contacted customer service multiple times the first time I was told to check back the next day the next day came around the next associate disconnected with me not answering my question. I then reached out to the banking complaint line. I explained to them the situation... I'll gladly share those emails with you as well. They first tried to tell me that I had already received it ... so I asked then if I had received it who sent it to me ... because I only had one friend send me one and that was on the first. And on their system it said that I had received it already... which then I showed them thar I had not received it. I find it hard to believe that this establishment was able to predict the future one day before I asked My friend to boost me... with that being said I also find it hard to understand that if they give you XXXX to send then you should once again be able to receive XXXX. And since I had in their eyes already received this " Illusionary boost '' then why am I not able to receive the one my friend sent. Makes no sense... regardless all I got was XXXX. Now I'm responsible for paying them back for something i didn't receive ... which goes back to my friends situation. If they stole XXXX dollars from him and are trying to steal XXXX dollars from me.. how many people have they been stealing XXXX dollars from claiming these people received something they didn't. Had they just admitted they made a mistake this could have easily been avoided. But once again I'm being brushed off as if I don't matter well XXXX them I matter you let them try and feed that XXXX to you. Because I ain't eating it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: MN

Complaint narrative:
On XX/XX/2023 I sent TransUnion a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once TransUnion receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. 

Transunion sent me a letter on XXXX XXXX stating my request to block was denied due to my request being made in error. There is no way that transunion can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If transunion does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. 

In addition on XX/XX/2023 I spoke with a representative from Transunion Specialized fraud team who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once transunion receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report Transunion MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that TransUnion is not following the FCRA guidelines that are established to help consumers in these troubled times. TransUnion is Violating FEDERAL LAW I have also contacted XXXX about this and they are saying my police report is invalid which is unacceptable.

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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXXXXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I applied for the card and was accepted. I had to use it for dental appointments. I was NEVER late and always paid more than the amount. Recently with no warning they increased the amount and now the interest is almost as much as the payment!! I asked why they raised it. Their response was because I had too many credit cards. First of all that is none of their business. I pay all my bills on time and usually more than what the payment is. This is just a way to get more money that I do not have. I have already decided to cut their card up. I find this type of business to be very unreasonable. How am I to pay them off if I can't afford the payment. No wonder people are filing bankruptcy. Citi would rather lose customers than gain them!!

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 2023-06-20 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:
I asked the credit bureaus to conduct an investigation on the XXXX XXXX  / XXXX XX/XX/XXXX account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, Equifax states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. XXXX, on the other hand, illustrates more than 120 days late on XX/XX/XXXX with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. Finally, XXXX states that this account is 150 days late on XX/XX/XXXX and has NO DATA for XX/XX/XXXX to XX/XX/XXXX with a single Charge-Off for XX/XX/XXXX ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX / XX/XX/XXXX account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief