vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I opened a checking account with Chase Bank online after receiving multiple promotional mail offers, including a {$300.00} bonus for opening an account. I funded the account with {$920.00}, which I earned through my work with XXXX and XXXX. 

On XX/XX/year>, Chase closed my account without warning or explanation. When I called customer service, they refused to provide a clear reason for the closure but stated that I would receive a cashiers check for my full account balance within 10 days. 

However, when I received the check on XXXX XXXX, it was for less than {$4.00}, not the full {$920.00}. Chase still has not explained why my money was taken. I made multiple attempts to contact Chase to get an explanation, but each time, I was either given vague responses or told to wait for a letter that never arrived. 

If Chase applied my funds toward an old account balance, they failed to notify me or provide proper documentation. I did not authorize any deductions or offsets. I believe Chase has unfairly withheld my money and failed to follow proper banking regulations regarding account closures and fund disbursement. 

I am requesting an immediate return of my full {$920.00} and a written explanation of Chases actions. If this issue is not resolved, I will consider further legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX i lost my debit card with My USAA account and I had one sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There I lived with my current boyfriend from XX/XX/XXXX to XX/XX/XXXX. I lost my XXXX XXXXXXXX as well in that house along with my college ID to XXXX XXXX, my daughters XXXX XXXX Card and our XXXX XXXXXXXX Card. My boyfriend sold that house to his friend XXXX and XXXX XXXX that own XXXX XXXX XXXX XXXX  off XXXX XXXX XXXX XXXX XXXX. Anytime I've tried to get on the phone with USAA i never get through I always get a ID verification or ID issues. I need your help shutting down the fraud in this consumer world because this is one of many businesses that give me the run around. I honestly know deep in my heart they are just stalling to keep me from accessing my money because its XXXX money I inherited and now a divorce that took place here in XXXXXXXX XXXX the court house is now doing fraud under my name and my daughters name. I hope you guys will help me resolve my financial theft of services from all these corporate businesses. 
Thank you. 
Sincerely, XXXX XXXX & daughter XXXX XXXX. 
XXXX XXXX XXXX XXXX and My daughter is 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 2025-02-08 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: IN

Complaint narrative:
Im reaching out because a tradeline on my credit report is not being reported with the maximum possible accuracy, which is a direct violation of the Fair Credit Reporting Act. This error is unacceptable, and I am demanding that this tradeline be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I made a payment on XX/XX/XXXX based on a settlement agreement amount that both me & & Target/TD Bank agreed to in order to settle my target card account. After making the payment, the creditor confirmed receipt of payment but, refuses to give me a settlement/paid in full letter. I have called everyday and keep getting the runaround. I need the letter immediately since I am in the process of making a home purchase and I will lose the house if I dont receive payment. I wired the money to Targets collection agent XXXX XXXX XXXX XXXX XXXX and receipt of payment was confirmed so, I need the letter immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Im reaching out because a tradeline on my credit report is not being reported with the maximum possible accuracy, which is a direct violation of the Fair Credit Reporting Act. This error is unacceptable, and I am demanding that this tradeline be deleted from my credit report immediately.

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 2025-02-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have discovered a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This unauthorized inquiry is clearly a violation, and I am demanding that it be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
I have discovered a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This unauthorized inquiry is clearly a violation, and I am demanding that it be deleted from my credit report immediately.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXX and Transunion data breach.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..and at this point i knew my credit was pretty fair bc i have had credit cards. but today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not get any loans or credit for my business bc of someone using my information ... .i know whatever or whoever had to sign that name and i was never there to do any of these things while permitted to the state of mississippi i need some real help with this bc i cant conduct business... ..thank you very much

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NV

Complaint narrative:
I asked for my data not to be shared through my state laws and a copy of my data, my data was shared and I never received a copy of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TN

Complaint narrative:
I have disputed XXXXXXXX XXXX  to experian because I have asked for a I want a copy of the chain of agreement, the purchase agreement, the forward flow agreement, insurance claim of debt, and my signature in agreement of debt fro. XXXXXXXX XXXX records. And they have faild to provide and properly investigate the claim of debt by discover bank and remove it 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft back in XXXX, I started to see credit cards, student loans, and auto loans on my profile. I asked the school and XXXX to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing XXXX student loans, Experian : XXXX Account # : XXXX Open XX/XX/year> Balance {$1400.00} : XXXX Account # : XXXX Open XX/XX/year> Balance : {$1800.00}. All account has interest with late payment which is hurting 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft back in XXXX I started to see credit cards, student loans, and auto loans on my profile. I asked the school and XXXX to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing XXXX student loans, XXXX : XXXX Account # : XXXX Open XX/XX/2016 Balance {$1400.00} : XXXX Account # : XXXX Open XX/XX/2016 Balance : {$1800.00}. All account has interest with late payment which is hurting 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft back in XXXX, I started to see credit cards, student loans, and auto loans on my profile. I asked the school and XXXX to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing XXXX student loans, XXXX : XXXX Account # : XXXX Open XX/XX/year> Balance {$1400.00} : XXXX Account # : XXXX Open XX/XX/year> Balance : {$1800.00}. All account has interest with late payment which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and I suspect fraudulent activity. I am requesting an immediate investigation and removal of these inquiries, as they are negatively impacting my credit score. 



The following inquiries were not made by me and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since I did not apply for credit with these companies, these inquiries are fraudulent and should be removed under the Fair Credit Reporting Act ( FCRA ). I request that the Consumer Financial Protection Bureau take immediate action by investigating these inquiries and assisting in their removal. 



Please find attached copies of my credit report highlighting the disputed inquiries. I request a written response detailing the actions taken to address this matter. 



Thank you for your time and prompt attention to this issue. If you need any further information, please do not hesitate to contact me. 



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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra icking of debt bondage and would like for all listed accounts to be blocked and deleted company information TRANSUNION. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-08 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of 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 by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used my Chase credit card to purchase a video game console in late 2023 from XXXX. XXXX failed to give a discount for a coupon on the order after it was delivered same day. XXXX customer support told me they could not adjust the price charged and to return the item and order it again. and gave me a return label. 

This happened three times. All three times XXXX gave the return label and accepted the return. They even sent me an email of confirmation for the returns. 

On the fourth attempt, the shipt driver, a company XXXX uses for delivery when XXXX takes too long, the driver opened the box and I was told I could return it. 

All four instances were approved and tracked via XXXX XXXX. XXXX refused to refund me for all four items, which added up to around {$2100.00}. Despite sending an approval email and tracking showing delivered and signed for by their warehouse manager. 

I filed disputes with Chase with all of the documents, tracking and XXXX proof of acceptance emails. 

Chase keeps reopening the dispute to allow XXXX to have the disputes under merchant review. It has been 13 months since I opened the original 4 disputes. 

Chase has had me on the phone for a total of 22 hours for the past year. Explaining the disputes to multiple dispute agents. Told it would be taken care of in 35 days or less and that no late fees or interest will be added. I have done this 7 times with their agents. I was told by multiple supervisors it would be taken care of within 30 days. Your evidence and tracking are proof enough. 

I have been charged late fees and interest and had them removed after a week of messages with their support every month except this past XXXX. This week they refuse to reverse the fees, despite their TOS saying they wouldnt happen. 

This {$2100.00} has been on my credit report for over a year now and is actively hurting my credit score because Chase never issued temporary credits, nor permanent credits. XXXX refuses to talk to me and my address is now blacklisted from purchasing online via their website. 

On my dispute tracker on Chases website, the disputes have multiplied multiple time because they keep reopening them. 

Chase closed my credit card after the first 35 days of the disputes in XXXX XXXX. My balance was {$0.00} prior to this issue. When I asked the agent why, they told me once this is settled and the disputes are closed, based on your evidence, likely in your favor, call back and we can help you get the card back. 

Again, it has been 13 months of 4 disputes. 
I just want this to be over and credited for the returned merchandise from before XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of 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 by such agency.

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