vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I met XXXX XXXX XXXX online in XXXX of 2023. He said he was from New York XXXX, XXXX XXXX. He promised to give me a better life, a life of happiness and abundance. He said we would buy the hotels and apartment buildings of my dreams, to buy a nice house, nice car, traveling, and open a business. He kept calling me, every day night and day, all night. Until I fall for him and everything was changed. I lost everything, my retirement and all cash money in the bank. He asked me to help him recover his wifes inheritance from XXXX. The inheritance is {$4.00} XXXX, and was transferred to the next of kin, his daughter. But XXXX 's rules are to release the inheritance to the beneficiary, to a mother who will stand as a mother for her. The daughter asked me to be the beneficiary, so I said okay. So they started the process and kept asking me to pay the taxes, the change of name, then the clearance to release the inheritance was {$90000.00}. I was withdrawing money every day, for XXXX year. I would come to the bank every single day to withdraw money to send to him. My XXXX banks were XXXX and Chase bank. All gone, all cash withdrawn savings and checking, and save retirement accounts for XXXX years gone. Withdrawn and transferred to my checking and withdraw to send to different person he gave me. He promised that after paying all that money, he would come to XXXX and pay me double and we would live together. But after paying everything, he never came. I withdrew all my savings, checking, and my IRA account, every thing was sent to different countries and people who will accept the money to pay for the clearances. Total amount of my money and investments {$250000.00}, and {$100000.00} loans and mortgage. Paying monthly payments of {$1200.00} every month and credit cards {$500.00} to {$600.00} every month. Now, Im filing a complaint and asking for help because while I was withdrawing all this money, the bank didnt stop me or freeze my account to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: LEXISNEXIS
State: KY

Complaint narrative:
Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a credit lab no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Around XXXXXXXX XXXX EST on XX/XX/XXXX, I deposited total of {$3800.00} dollars into an ATM at Chase ( XXXX XXXX ). The ATM took XXXX dollars in and spit back the rest of the money, as it had difficulty reading them. The ATM then asked if there is any addition deposit to make. I clicked 'yes ' and put in XXXX dollars ( out of remaining XXXX dollars ) as I thought the initial error may have been because of too many bills. The ATM then " ate '' my money and produced a receipt saying " To be sure your deposit went through, please call us at XXXX. XXXX '' I proceeded calling the number as the branch was closed for the XXXX XXXX. The representative was able to submit a claim for total of XXXX dollars ( XXXX ), and that I should be receiving the full amount in credit in XXXX business days before they complete their investigation. I visited the same ATM after XXXX PM on the same day, but I noticed that the machine was still being used by different people without being shut down for proper investigation right away. 

After XXXX business days, I checked the claim status on my Chase App XXXX and I found that I received XXXX dollars credit, and the disputed amount was reduced to XXXX dollars instead without any further information on where the rest of XXXX dollars went. I called the same number to check on the status, and I was told that I have to wait until the full investigation is over. I made calls several times and even visited the branch on XX/XX/XXXX, but all I heard was that there is no difference I can make by visiting and that I have to wait until XX/XX/XXXX, which is when they are legally required to give a response by. All representatives are repeating that I have to wait and that they will request a second audit. When I asked what happens if they still finalize with XXXX dollars, they said " At that point, there is really nothing Chase can do. '' This afternoon on XX/XX/XXXX, I received a notice / letter notifying that the claim is closed and that XXXX dollars temporary credit is now finalized. I have not received a formal explanation as to where the rest of my {$1800.00} went to. I have explained them to take a look at their surveillance camera as it would have captured me depositing several times into the same ATM. I feel that the audit was not done carefully to ensure that there is no miscalculation. The money " ate '' my money, and it is frustrating to hear that they can not locate it anywhere. I have not yet received proper assistance, explanation, information, or evidence from Chase, and this is absolutely not the kind of bank that I would want to trust my money with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I met XXXX XXXX XXXX online in XXXX of 2023. He said he was from XXXX XXXX XXXX, XXXX XXXX. He promised to give me a better life, a life of happiness and abundance. He said we would buy the hotels and apartment buildings of my dreams, to buy a nice house, nice car, traveling, and open a business. He kept calling me, every day night and day, all night. Until I fall for him and everything was changed. I lost everything, my retirement and all cash money in the bank. He asked me to help him recover his wifes inheritance from XXXX. The inheritance is {$4.00} XXXX, and was transferred to the next of kin, his daughter. But XXXX 's rules are to release the inheritance to the beneficiary, to a mother who will stand as a mother for her. The daughter asked me to be the beneficiary, so I said okay. So they started the process and kept asking me to pay the taxes, the change of name, then the clearance to release the inheritance was {$90000.00}. I was withdrawing money every day, for one year. I would come to the bank every single day to withdraw money to send to him. My two banks were Citibank and XXXX bank. All gone, all cash withdrawn savings and checking, and save retirement accounts for 30 years gone. Withdrawn and transferred to my checking and withdraw to send to different person he gave me. He promised that after paying all that money, he would come to XXXX and pay me double and we would live together. But after paying everything, he never came. I withdrew all my savings, checking, and my IRA account, every thing was sent to different countries and people who will accept the money to pay for the clearances. Total amount of my money and investments {$250000.00}, and {$100000.00} loans and mortgage. Paying monthly payments of {$1200.00} every month and credit cards {$500.00} to {$600.00} every month. Now, Im filing a complaint and asking for help because while I was withdrawing all this money, the bank didnt stop me or freeze my account to protect 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 explanation
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I logged into my credit report and i saw couple report that am not aware about. 
-- 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 2024-11-23 00:00:00
Product: Credit reporting 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: FL

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

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

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
i am attaching 3 credit reports side by side. delete all data that does not match between 3 agencies. this time no expection. i will be suing all for each inaccuries and attaching police report from XXXX. I have been fighting from XXXX now it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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 attaching 3 credit reports side by side. delete all data that does not match between 3 agencies. this time no expection. i will be suing all for each inaccuries and attaching police report from XXXX. I have been fighting from XXXX now it is 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 2024-11-23 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting Dept. of Education/XXXX XXXXo Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with XXXX, XXXX, and TransUnion concerning the Department of EducationXXXX XXXX Specifically, the reports erroneously list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. 

Below are the details of the discrepancies : XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
TransUnion : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the U.S. District Court for the District of Nebraska, alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with Experian, XXXX, and XXXX concerning XXXX XXXX XXXX XXXXXXXX XXXX Specifically, the reports erroneously list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. 

Below are the details of the discrepancies : Experian : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

Sincerely, 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 2024-11-23 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.

The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. 
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.

Color of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.

Company response to consumer: Closed with explanation