vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
I did my due diligence and confirmed that the US Treasury check I was about to receive was within my daily deposit transaction limits which it was. I confirmed that it would be okay to deposit if it was made out to both me and my husband and followed their instructions to take a photo of the front and back of the check, make sure both parties endorsed it and wrote in large bold letters per their instructions FOR DEPOSIT TO CHIME ACCOUNT ONLY within 30 seconds I received an email stating that it was rejected. I reached out via chat and by phone and everyone I spoke to said that everything was perfect and there is no reason the system should have rejected it but gave no resolution other than the call the IRS for a new check. This is a matter that I have worked to dispute for over two years and now I have a check for nearly $ XXXX that is in essence worthless. Every single person I spoke to said that I had no other options and said if I tried to deposit it again I would be blocked and shut down which I cant afford to do because this is the account my direct deposit goes to. They mislead me into feeling this would work and caused me hours of missed work and an incredible amount of stress. Upon their advice, I called XXXX other businesses whom the first two reps said I could cash my check at or deposit into just to find that was false information. When I requested to be transferred to corporate escalations, they sent me over to someone named XXXX that could barely piece together a sentence and when I asked to confirm it was the corporate escalation department she said yes I am them, and proceeded to tell me the exact same thing that no one has any control over what their system does and confirmed I did everything right and the check should have went through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im self employed And Im the owner of the business I deposit my checks in my personal checking account but the image wasnt good so the bank returned it So I printed new checks and deposited again Than they closed my account and suspended my money When I called in they told me they need to verify with the owner of the business thats me That the checks are good But nothing is moving forward

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Capital One Bank acct, with routing number : XXXX ; an account XXXX. My account was closed with a remaining balance of {$18000.00}. I tried calling, emailing, ect .... Still no REASON as to why my account was closed with the funds available. I been a member over a year & a half with capital one bank, and then this happens. Can you please help me access my funds as soon as possible, It has been about a year that it has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: Experian Information Solutions Inc.
State: IL

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 168.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-05 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: GA

Complaint narrative:
1. Failure to Verify Disputed Information Violation of FCRA 611 I have disputed the accuracy of this account with both XXXX and XXXX on two separate occasions. Under the Fair Credit Reporting Act ( FCRA ) 611, credit reporting agencies are required to investigate disputed information within 30 days and provide a response indicating the results of the investigation. Despite this requirement, there has been no indication that either credit bureau has verified the information or updated my credit report to reflect my dispute.

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 2024-08-05 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: AL

Complaint narrative:
Late payment reported for XX/XX/2024 Creditor has violated my right to privacy. 
15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I am writing to formally request the immediate removal of a fraudulent account that has been incorrectly listed on my credit report. As a victim of identity theft due to the XXXX security breach, I have discovered that The Cbe Group has been reported on my credit file, although this account does not belong to me. 

Despite my previous request for full debt validation from your company, I have yet to receive any documentation or verification regarding this account. As a result, I am left with no choice but to take further action. 

I am preparing to bring this matter before a judge in my local jurisdiction, as this account should not be reported on my credit file under any circumstances. To support my claim, I have attached the following documents : A copy of the police report regarding the identity theft. 

Court paperwork demonstrating the ongoing legal process. 

Please remove the account in question from my credit report within two business days of receiving this letter. Failure to do so will compel me to proceed with filing a civil suit against your company for actual damages. This false information has adversely affected my ability to obtain credit and has caused significant harm. 

Your prompt attention to this matter is not only a legal obligation but also a necessary step to correct the inaccuracies on my credit file. 

Thank you for your immediate action and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: MA

Complaint narrative:
I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the XXXX XXXX XXXX account and includes several inaccuracies that need correction. 

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) - **Balance Owed : ** {$690.00} ( XXXX ), {$690.00} ( XXXX and Equifax ) - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by XXXX and Equifax - XXXX*Account Rating : ** Derogatory - **Account Description XXXX ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( XXXX and XXXX ), All Banks ( Equifax ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Merchandise was taken back by credit grantor ; there may be a balance due ( XXXX ), Charged off account ( Equifax ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( Equifax ) - **Term Length : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Past Due Amount : ** {$690.00} ( XXXX ), {$690.00} ( XXXX and Equifax ) - **Account Type : ** Auto Loan - **Payment Frequency : ** Monthly ( every month ) ( XXXX ) - XXXX*Credit Limit : ** {$0.00} This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX XXXX, and Equifax XXXX 
2. **Date Reported : ** Different reporting dates across the credit bureaus. 
3. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
4. **Balance Owed : ** Inconsistent amounts reported by XXXX and the other bureaus. 
5. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return. 
6. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX, VA XXXX Phone number : ( XXXX ) XXXX Are in violation of the Fair Debt Collection Practice Act Essentially, a debt collector or loan company isn't allowed to communicate with your employer unless you've explicitly permitted them to do so. Creditors and debt collectors can not harass those with debt in order to attempt to collect. They must also adhere to the statute of limitations to collect on debt as federal and state law requires. 

I have not provided them permission to contact me at my place of employment. Nor have they provided any disclosing documentation of said debt, and have failed to provide me their obligation regarding said disputed debit. 

A phone call from phone number XXXX came into my place of employment at XXXX XXXX  on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was approved for a loan modification and on their trial payment period for 3 months but on my credit report, it's showing I've been delinquent for 120 days.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My account with XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8

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 2024-08-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited {$25000.00} for an interest rate of 4.64 % over 4 months on XX/XX/2024. I was paid about {$430.00} total. 

They also re-invested when I asked them to pull the money out, and I had to do another hour long phone call to get someone on the line to pull my money out again.

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I have tried several times to make payments on this credit card, today XXXX of month, my payment is due the XXXX. Before their ridiculous XXXX deadline, it stated my payment would be posted on the XXXX. This would be the third time they have slapped me with a late charge, the first time was because I submitted my payment at XXXX. They are Eastern time, I live in Arizona. I can't make an online payment the day it's due? I want my late charges refunded because I don't believe this is a fair practice at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX we purchased instacart plus using the chase Sapphire reserve credit card. Expecting it to be a part of the promotion offered by Chase that a year would be reimbursed for instacart plus if purchased by XX/XX/year>. We purchased by the end of XX/XX/year> and they said that it needed to be purchased by XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NY

Complaint narrative:
I did not give permission to this company to have this report. 
You have no legal authority or permissible purpose to place any account in my consumer reports pursuant to 15USC 6802. 

XXXX Department of Education loan servicing Account XXXX Tracking 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 2024-08-05 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: MI

Complaint narrative:
I became aware of my identity theft in some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, 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 2024-08-05 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: MI

Complaint narrative:
I became aware of my identity theft in some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/2024. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief