vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or about XX/XX/2023, Chase increased my credit card limit from XXXX XXXX to XXXX  XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from XXXX XXXX to XXXX XXXX. Subsequent to this reduction, my credit score reported by XXXX and other similar agencies and reported by Chase DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of Chase correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with Chase. They have done nothing regarding either complaint. 

My credit score is now down XXXX points as a result of Chase taking action without my request or approval and subsequently correcting it at my request. Chase simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by Chase of more credit card volume without having a conversation with me, their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have financing with XXXX XXXX through Synchrony Bank. I made a flooring purchase on XX/XX/XXXX in the amount of {$2600.00}. The purchase agreement was XXXX percent interest as long as it was paid by XXXX. I then purchased flooring on XX/XX/XXXX in the amount of {$5800.00} and I asked the sales rep at the store if this would be considered a seperate charge he stated yes. And that I did not have to pay on this purchase until the other purchase was paid for. I have now called Synchrony Bank to see why I still owed {$800.00} on my first purchase and was told by the manager at Synchrony Bank that they monthly payments I was making was going towards the new loan not the previous loan. I had expressed that I was not informed that it would automatically go towards the new loan. It seems to me that synchrony was making the payments to the new loan so that the intrest would be added to the previous loan. I have called Synchrony to request to change the payments i made to go to the first loan and was told by a manager that there was nothing he could do. I am filling a dispute with them. I want them to put all the payments i made from XXXX XXXX to now to be put to my first loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your intervention in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX  XXXX Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX XXXX  XXXX, Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their immediate removal from my credit report. The details of each account are as follows : XXXX XXXX : Equifax includes three accounts under the name XXXX XXXXXXXX, which are not mine. I request the removal of these accounts from my credit report. 
XXXX XXXX  XXXX : Equifax reports this account with an incorrect Original Creditor name of XXXX XXXX XXXX. I am familiar with the original creditor for this account, XXXX XXXX ILLINOIS XXXX, but I have no association with the company stated on this account. Furthermore, the reported XXXX of {$510.00} is inaccurate as I recall the balance to be lower. Due to these discrepancies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI

Complaint narrative:
I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, XXXX XXXX XXXX XXXX will be contacting me in the future for the amount owed ( which is incorrect ). This is one of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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

ACCOUNT : XXXX XXXX XXXX # XXXX and ACCOUNT 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
Closed Fidelity card due to multiple fraud incidents. After closing, a merchant refunded {$1000.00} to the card, for which I asked Fidelity to refund via check in early XXXX. This check was never sent. 

Later, I disputed another part of this transaction with the merchant for ~ {$3500.00}. Fidelity disputed the full amount. After resolving the issue with the merchant, I asked fidelity to cancel the dispute which they have yet to do. This now shows a balance on my account. Despite multiple calls and hours on the phone, fidelity has not been able to send a check for the {$1000.00} credited to the account. 

During multiple calls, it is clear that their internal systems are not showing full details and they are unable to piece together the full sequence of events.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Negative item is appearing on my Experion and possibly other credit report as a charge off in XX/XX/XXXX, however the bill was paid in full in XX/XX/XXXX. This item was a XXXX wireless cellular account that function as a Wi-Fi hotspot. I have been in contact with the creditor directly, they are not disputing that the bill was paid in full, and Im not disputing that the account is validly listed. The problem is that every time I contact them about this issue they update the account and report new activity on the account. The payment history on my credit report shows A charge off in XXXX, but the bill was paid in full in XX/XX/XXXX and theres been no activity on the account since. I have been denied credit, and my credit score has had a major impact from this recent wrong reporting. Everyone has been made aware of it, and from this point forward, I feel continuing to report this account incorrectly as a current charge of represents bad faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I made a purchase with XXXX for a transaction of XXXX and I got charged for two amounts- one with XXXX and the other for XXXX. I didn't recognize the XXXX dollars so I reached out the credit card company, Capital One, to report this, and they categorized this as a fraud. However, a document generated on XX/XX/22 states that I or someone else benefited from the charge, so the charge was put back on the account for my responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from what they said was Chase Bank which is my bank. The individual noted that there were fraudulent charges on my account as follows : {$5000.00} of XXXX XXXX attempts in XXXX Georgia {$2000.00} of XXXX purchases in XXXX Georgia {$43.00} charge at XXXX in XXXX I do not live in XXXX nor have I travelled to XXXX. The individual read off other legitimate charges to me. They indicated that they would call me again on Friday, XX/XX/XXXX, at XXXX XXXX. They also sent me emails from JP Morgan Chase indicating fraudulent charges. 
On XX/XX/XXXX, I received a phone call from an individual who noted that he was noting a {$41000.00} transfer out of our account to a person named XXXX XXXX. He is asked if I authorized this to which I said no. He was sending codes to me and my husband as if he was from Chase ( his phone number was XXXX. He noted that there was a special FBI and Police investigation- it was an active investigation and that I could not speak to anyone to not compromise the investigation. 
He subsequently directed me to the bank to wire money to catch the criminal noting repeatedly that this was the way to catch the criminal. I wired a total of {$40000.00} from my checking account at Chase while he told me to not say anything to the teller as this was part of the process in the investigation. 

I subsequently wired money to XXXX XXXX at XXXX XXXX  and am now trying to recall the wire as Chase has noted that this is not a practice they would do nor would they engage in this type of a criminal investigation. The amount of the wire was XXXX {$40000.00}. 

On XX/XX/XXXX I filed a IC3 Complaint Referral Form with the FBI. The FBI called me 2 days later noting that they had received the information and would put a message out to the banks. 

I subsequently called XXXX XXXX  and have spoken to an individual in the Wireless Fraud Department who has told me that most of the funds that were wired to the account are still there. We have also been in contact with XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX XXXX  has requested us to pursue a Hold Harmless from Chase Bank. We have been in pursuit of Chase Bank ( in person and over the phone countless times ) to determine who can help us from within Chase to obtain a Hold Harmless. We need our funds back and Chase is the bottleneck at this point. I have tried to figure out who the District Manager is at Chase Bank in XXXX XXXX as the Branch Manager is unable to assist much further. 

Chase Bank has also noted - via their Secure Messaging Portal - that they can not get in touch with Regions Bank. I have already supplied them with information on who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called XXXX and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor and that is not even on the report. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

XXXX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME XXXX Account number XXXX Open/closed Closed Date opened XX/XX/2020 balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a XXXX  mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together.My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner.The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX5 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}

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