vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/2024 I received two ( 2 ) emails from XXXX indicating : YOUR ACCOUNT HAS BEEN CLOSED The advised the reason as : * Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. 

Upon opening my Capital One app on my phone, I find that both of my cards were currently " Restricted. '' The account ending in XXXX has a XXXX balance and the account ending in XXXX has a balance of {$800.00} that I was planning to pay within days. 

I am a senior on Social Security and my last payment was made a few days after the due date due to my Social Security not arriving as planned prior to the due date. 

I have had two instances in the past of identity theft and have only used the card ending in XXXX since XX/XX/2024. 

I would like to obtain the detailed reason that the card was cancelled and any paperwork or sources of information that were obtained that led to the decision by Capital One to cancel my account. 

I have and am working extremely hard to rebuild my credit and would appreciated re-consideration of this action and my accounts restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

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 2024-04-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I paid XXXX plus the XXXX for an am ex card thinking " am ex shouldnt give me any problems like a vanilla or something else... .so i bot the card and tried to use it at joma shop for a XXXX pair of shades... .it didnt work... they told me to go to another merchant... i did... XXXX  which cost me XXXX dollars more than XXXX  ... .i got an XXXX  card to load the rest... but the card got declined at XXXX  ... .their only solution was to send another card that wont work or a refund check that i wont get for 3 weeks ... .both solutions are not acceptable to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Back in 2013 I opened a bank account with JP Morgan Chase when I was a college student. I used the account for a year and got a notice in the mail that they would close my bank account within 4 weeks. They didnt provide a reason. This also happened to 4 of my friends, including my roommate at that time who were also XXXX. After contacting JP Morgan Chase, they told me that I could never be a Chase customer again and they refused to disclose why. They told me they dont need to disclose why I am not allowed to be a customer. This baffled me and since the past 10 years I have been unable to open a checking account with JP Morgan Chase. I have excellent credit score and have opened bank accounts with various companies since then including XXXX XXXX, XXXX and XXXX XXXX. However, JP Morgan refuses to do business with me and I strongly believe this is discrimination, especially since my friends of the same ethnicity have encountered this situation around the same time as me. I highly urge you to investigate this complaint because no matter how many times I attempted to reach out to their executive offices, they continued to give me the same response that they dont need to disclose why my account has been closed. Ironically, they also closed my wifes bank account a couple years ago and its because she is related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.

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 2024-04-03 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: IL

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. lease see attached file for these items I am complaining.

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 2024-04-03 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-03 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: GA

Complaint narrative:
Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for XXXX  years and never opened account with this company. 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. This account XXXX XXXX  is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received text messages from XXXX XXXX XXXX, a debt collector on behalf of Spotloan stating I owed around {$1500.00} and offering a settlement amount. I filed a complaint with the XXXX regarding this as fraudulent as I have never had a loan with Spotloan. In reply to the this complaint apparently XXXX returned my information to Spotloan. Spotloan then attempted to contact me via phone and contacted me via email on XX/XX/XXXX citing that I had reported identity theft and wanted me to return an affidavit to them with all of my information. They stated a loan was created in my name on XX/XX/XXXX for {$600.00}. If a loan was created in regard to any inquiry it was never completed by me, signed or received. 
I have my bank statements verifying I never received such a loan. I had no contact from Spotloan regarding this until the text messages were received from a debt collector. I also went to their website and searched for an account with my email and nothing was returned so I can not see any account established with my information. If they had my information it seems there would have been contact before the text messages were received from a third party. 
This seems fraudulent on Spotloan. Due to the potential for fraudulent activity seemingly from their company I do not feel comfortable supplying them with any further information of mine. 
I would like them to clear this matter and cease and desist all contact with me regarding this and all attempted collections to stop. I dispute that I ever had a loan and do not owe them any monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgence Legal Group, PC
State: TN

Complaint narrative:
Late XX/XX/2024, I received a call from my parents who live in XXXX ( my mother has the exact same name as me ). They had a process server come to their home and leave a court summons from Resurgence Legal Group for me. 

I called Resurgence on XX/XX/2024 and spoke to XXXX. I let XXXX know that I have not lived in XXXX for over 5 years AND the loan did not originate in XXXX. She told me that she would contact their attorney, XXXX XXXX and get back to me. I never received a call back or an email. 

On XX/XX/2024, I called again and spoke with an agent who told me that the only way to resolve the issue is to set up a payment plan. I asked for the court portion of this matter to be handled first, as I don't live in that state. He argued with me and I asked to speak to a supervisor. I was transferred to and left a voicemail. I called back again to see if I could get XXXX on the line. I was able to get in touch with her. She told me that their records show that an attorney spoke to me on XX/XX/XXXX. This did not happen. I pulled and attached cell phone company 's call record and I did not receive any calls on XX/XX/XXXX. I can provide a hard copy aside from the screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-03 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus but still nothing from them. That means XXXX credit bureaus are NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus but still nothing from them. That means XXXX credit bureaus are NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-03 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: TX

Complaint narrative:
I already submitted a complaint about JP Morgan chase refusing to open a bank account, but I believe this issue deserves another complaint. Unlike the issue with my bank account ( complaint # XXXX ), I was able to open a credit card with Chase for their Sapphire Reserve credit card back in late XXXX. I used the card for more than 3 years, spend hundreds of thousands of dollars and paid my bills on time, and then one day in the middle of XXXX they spoke to me on the phone and told me in a rude way that they will be closing my account and I will not be able to be a Chase customer. I thought this was a mistake and that it wasnt really Chase at first, but then I got the notice in the mail about the same. My account was closed within weeks and my wifes account was also closed. I was able to successfully use my credit car for about 3 years in good standing and then not anymore. This has happened to other people I know. Ironically, same ethnicity as me. I dont understand why I could never apply for a Chase Sapphire credit card since then. I believe its because they looked at my customer history and decided that because I was ineligible to become a Chase bank customer, they could enforce this with their credit cards as well. This is the only speculation I can come up with. It baffles me why I have been subjected to discrimination from JP Morgan Chase.

Company response to consumer: Closed with explanation