vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened the Chase XXXX Unlimited card the week of XX/XX/2024. I attempted to make a purchase on a website and was denied. I reached out to customer service and they requested I try again while on the line. The charges were repeatedly denied. I ran into the same problem over the next week, all with the same response from customer service. Eventually, without notice, Chase closed my account on me due to the card " not being used in intended way '' i.e. there were too many unknown denied transactions. To reiterate, all of the charges made were made by myself, and I not only called up customer service after making the charges, but Chase customer service asked me to retry the payment on multiple occasions, thereby causing the amount of denied transactions to rise. I went to the physical bank location on XX/XX/2024, and explained my situation to a representative and they confirmed that the account was closed in error if I had called to confirm the transactions were my own. She called up the help line and was informed that I had to reapply for the Chase XXXX Unlimited card in order to have access to that card as well as keep the access to the points I had accrued. I applied with the representative and my application was denied. After calling up the Chase central line, they said that the only option was to apply for the Chase XXXX XXXX card instead and transfer over my points. Note that I had not wanted this card but in order to have a credit card to use, be able to keep my Chase account, and that it was the only option left, I gave in. We applied together and called up the application division to ensure that the " closing '' of my account would not affect my credit card application. After confirming that I was a likely instant acceptance given my XXXX credit score, I applied for the card with the representative. The application went into review and was denied the next day due to " an account having been closed by Chase in the past '' -a problem that I was ensured would not happen. Following this, I went through multiple escalations with Chase, talking to people in the XXXX offices as well as multiple divisions and groups that they transferred me to. After multiple rounds, the customer service lines informed me that the decisions were all automated, and although what had happened to me should not have in the first place, there was nothing they could do because each person I spoke to didn't have a manual push through. Ultimately, I ended up with Chase closing my account on me, revoking my credit card and effectively blacklisting me from owning a Chase card in the future, as well as a few credit score hits from the closing and applying to the card they ensured would not get denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not been able to receive my reports as requested.

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 2024-09-29 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: MD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with the access and privilege to my identity, STOLE my identity credentials from my unemployment profile and with the assistance of dishonest US Bank employees created a fraudulent prepaid government assistance US Bank debit card account and backdated it to XXXX 
At that time I lived in XXXX XXXX, and never had a card for unemployment benefits from US Bank. I only had a XXXX XXXX US Bank card that I never used as well. I NEVER applied for unemployment assistance in XXXX XXXX  ; hence there should exist no such card for it was not ever solicited or initiated by me. XXXX XXXX never deposited any money on this newly made backdated fraudulent account. 
Both of these authorities have abused me and my identity profile through XXXX XXXX XXXX data base, and canceled my legitimate prepaid card ( in my possession still from US Bank from XXXX XXXXXXXX ). Then they tried to force me to use the XXXX from XXXX XXXX that was NEVER IN MY POSSESSION, nor solicited by me. I have a canceled card now that should have never been tampered with by any employee. I have had only XXXX for XXXX anywhere. No one is fessing up to the fraud made by US Bank using the XXXX XXXX XXXX XXXX presumably by the only unemployment office with a profile for me. The only one I have ever initiated contact with here, in my home state, XXXX 
I have never applied for unemployment in XXXX XXXX and was never issued such a card in XXXX. I keep records of everything. I had not even worked enough in XXXX to claim those kind of benefits or sign up for the US Bank prepaid card. On top of that XXXX XXXX  ended their card services with ( US BANK ) in XXXX Since I was unable to make such a claim for such benefits, and I can truthfully attest I never had a card for Unemployment in South Dakota issued to me EVER. 
The audaciousness of the dishonest banker who tried to direct deposit my funds from XXXX XXXX into an account I did not possess a card for from XXXX XXXX, after I just reported the fraud to her, is unbelievable. I reported fraud and she still tried to force me to use the US Bank card from XXXX XXXX not in my possession. What the XXXX is going on? These XXXX institutions ( employees of ) both canceled my legitimate US Bank card I did have rightful possession of, and tried to force me to use the fraudulent account. Then they both played pass the buck games by saying they need identity verification, for a month, and then ultimately REFUSED to resolve the issue, forcing me to accept checks because of my reluctance to create an online account for XXXX XXXX I have been unjustly punished by both US Bank and the identity thieves hired by both establishments.

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 2024-09-29 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: CA

Complaint narrative:
Recently checking my credit report noticed that i have been a victim of identity theft and found credit inquiries that i not recognized here are inquiries that i found XXXX XX/XX/scrub>XXXX  please remove these fraudulent inquiries from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Dear CFPB, I am writing to formally address a concerning issue regarding Barclays Bank 's abrupt reduction of my credit limit without prior notice or justifiable cause. According to established regulations, creditors are required to notify customers before reducing credit limits unless a legitimate risk to the institution is present. During a recent communication with Barclays, I was explicitly informed that there was no risk associated with my account, raising significant questions about the legality and fairness of their actions. 

The sudden reduction of my credit limit has not only violated the terms and conditions of my agreement with Barclays, but it has also had detrimental effects on my credit reporting and scoring. Such actions undermine the trust that consumers place in their financial institutions and reflect a broader issue of customer respect and service. Additionally, on a call with Barclays on XX/XX/year>, I experienced unacceptable rudeness from the representative, further highlighting their disregard for customer treatment. 

I urge the CFPB to investigate whether this practice of reducing credit limits without notice is occurring among other customers within my demographic or zip code. It is crucial that consumers are treated fairly and consistently, with transparency in all dealings. The failure to provide notice not only contravenes regulatory expectations but also creates unnecessary stress and confusion for customers. 

Thank you for your attention to this matter. I look forward to your prompt response and action to ensure that financial institutions uphold their obligations to consumers. 

Thank you. 

Barclays Customer

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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 requested verification of these accounts and verification was not provided. These accounts need to be deleted.

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 2024-09-29 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: TX

Complaint narrative:
I am writing regarding my account with XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX 

I have noticed that my account has been designated as " Charge Off '' 26 times from XX/XX/XXXXXXXX  to XX/XX/XXXX. This is not only misleading but also illegal. 

A charge-off is a status that symbolizes the end all be all to that account. Once it is charged off, it is null and void, sent to be put on your credit profile. Ther is a need for it to only be applied once to an account. 

The Fair Credit Reporting Act ( FCRA ) clearly states that reporting must be accurate, and continuing to mark an account as charged off multiple times violates my rights under FCRA Section 1681 ( e ) ( b ), which mandates maximum possible accuracy.

Additionally, FCRA Section 1681s-2 ( a ) requires furnishers of information to provide accurate information. The continued charge-off entries do not reflect my efforts to manage my debt responsibly. I requested accommodations due to financial difficulties related to COVID-19, and XXXX did not report my account as current during that forbearance period, constituting a violation of the protections afforded under the CARES Act. 

Moreover, the Consumer Financial Protection Bureau ( CFPB ) has stated that creditors must report accurately during the XXXX pandemic. Multiple charge-off entries are not compliant with these guidelines. 

This sadly needs to be deleted, because I can not believe a company this large would try and hurt their customers during hard times.

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 2024-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened an account on XX/XX/XXXX at Ulta Beauty, through Comenity Bank. I paid the initial invoice in full ( {$120.00} ) on XX/XX/2024. My check cleared 2 days after due date of XX/XX/XXXX. I was not aware of first monthly charge for late fee ( $ XXXX ). Spoke with Customer Service on XX/XX/2024 after receiving invoice for {$63.00}. I understood the fee was reduced to {$36.00}. {$36.00} deducted from my checking account on XX/XX/2024. An XXXX invoice included previous balance of {$63.00}, - {$36.00} pmt ; - {$15.00}. " credit '' ; PLUS {$57.00} " FEE CHARGED ''. suddenly I owed MORE than prior to verbal interaction. I was out of town. The XXXX invoice now {$110.00}. The most recent phone contact was on XX/XX/2024 to " Customer Service '' and " Customer Service Supervisor ''. I closed the account on this date. I was instructed to write to " Billing Disputes '', Comentiy Capital BAnk, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX i received 2 texts ( did not respond ) and a phone call from Comenity Bank ( note 'being recorded ' ) when i qas asked for a payment. I said I was disputing the charges, the individual specifically stated " refusal to pay ''. A detailed letter outlining dispute was mailed " USPS Certified Mail Reciept '' on XX/XX/XXXX to the above noted address, as was a CC copy to XXXX XXXX, CEO Ulta Beauty, XXXX XXXX XXXX XXXX, XXXX, Il. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I informed transuion of all the accounts that I didn't charge on and for them to remove them I submitted documentation stating I didn't make those charges

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding is on my credit report twice for a total of {$1800.00} this debt is from identity theft, my identity has been stolen 3 times in the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I was attempting to sign up for credit reporting agencies and kept hitting road blocks meanwhile it was difficult to get a hold of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00}

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 2024-09-30 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear CFPB, I am a victim of identity theft and am requesting immediate action regarding fraudulent information on my credit report. Enclosed, you will find a copy of my identity theft report from the Federal Trade Commission, my drivers license, and proof of my current address as verification of my identity. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit file. This request is not part of a regular dispute but is supported by documentation of identity theft. 

The following fraudulent accounts must be removed and blocked from my credit file : Bankruptcy XXXX  XXXX : Case Number # XXXX XXXX  : Account Number # XXXX I ask that you take immediate action to block and delete these accounts from my credit report as required under FCRA 605B, and that you notify me of the corrections. Additionally, I request that you send me an updated copy of my credit report once the fraudulent information is removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address

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 2024-09-30 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: NC

Complaint narrative:
Dear CFPB, I am a victim of identity theft and am requesting immediate action regarding fraudulent information on my credit report. Enclosed, you will find a copy of my identity theft report from the Federal Trade Commission, my drivers license, and proof of my current address as verification of my identity. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit file. This request is not part of a regular dispute but is supported by documentation of identity theft. 

The following fraudulent accounts must be removed and blocked from my credit file : XXXX XXXX XXXX : Case Number # XXXX XXXX  : Account Number # XXXX I ask that you take immediate action to block and delete these accounts from my credit report as required under FCRA 605B, and that you notify me of the corrections. Additionally, I request that you send me an updated copy of my credit report once the fraudulent information is removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address

Company response to consumer: Closed with non-monetary relief