vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding the handling of my business account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the process they have implemented for resolving an issue related to a refund check of {$170000.00} USD. 

In XX/XX/XXXX, I opened a business account with Chase for XXXX XXXX XXXX A few months later, Chase unilaterally closed this account, leaving a balance of {$170000.00} USD. On XX/XX/XXXX, Chase issued a check for the remaining balance and sent it to my previous address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As I had moved and no longer lived at that address, the check was returned to Chase and was subsequently destroyed by them. 

In XX/XX/XXXX, I contacted Chase to request that the check be reissued and mailed to my new address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase agreed to this request and stated they would issue a new check. However, in XX/XX/XXXX, upon following up, Chase informed me that in order to have the check reissued, I must provide a written statement declaring I had not received the original check and personally visit a branch to process this request. 

I find this requirement to be unreasonable and a significant inconvenience. It is clear that the mistake of sending the check to an incorrect address was on Chase 's part, yet I am the one being inconvenienced by having to take additional steps to rectify Chase 's error. This situation has not only caused unnecessary stress and frustration but has also delayed my access to funds that are rightfully mine. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter. I request that Chase be directed to expedite the reissuance of my check to the correct address without imposing further unreasonable demands on me. The requirement to physically visit a branch and submit a declaration of non-receipt adds needless complexity and delay to the resolution of this issue. 

Your attention to this matter and assistance in reaching a satisfactory resolution would be greatly appreciated. I look forward to your prompt response and support in resolving this issue with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I did not apply for a loan. This loan was done as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The information in this complaint contains that 2 of the 3 credit bureaus ( TransUnion and XXXX ) are denying my wife and I are rights as consumers as there are inaccurate information on both my wife 's credit report and my credit report in regard to a XXXX XXXX XXXX XXXX bankruptcies. 
Moreover, in relation to TransUnion, there has not been any representatives within this company that has been able to provide me any type of answer in regard to the " Improper Involuntary Bankruptcy Cases '', the XXXX XXXX and the XXXX that does not belong on either of our credit reports due to the attorney 's firm messing up the paperwork for both of these bankruptcies creating both of these, the XXXX XXXX XXXX XXXX XXXX to be done fraudulently. Additionally, I have asked numerous times different representatives within TransUnion on how to upload supporting documents for these 2 bankruptcies, the XXXX XXXX XXXX XXXX XXXX XXXX but have yet to receive any answer from TransUnion. 
Furthermore, by what the attorney 's firm did/created in this situation, it led me to becoming a victim of identity theft. As I received verification from the IRS from the 2 tax returns that they received for the XXXX Tax Year, after being audited from the IRS for this tax year. 
Moreover, in relation to XXXX, the representatives within their special services section ( dispute section ) did not do their " due diligence '' in regard to either one of these XXXXXXXX XXXX XXXX XXXX XXXX XXXX as they did not do the research that was needed to be done regarding these " Improper Involuntary XXXX XXXX ''. The supporting documents were uploaded to XXXX, however, the section within XXXX did not do any type of research into this documentation that was sent to them. Therefore, XXXX has ignored and is still ignoring the documentation from these bankruptcies as I received notice from XXXX that they were not willing to remove these " Improper Involuntary Bankruptcy Cases '' because XXXX has stated that these bankruptcies are legitimate and will stay on our credit reports. 
Furthermore, proving that XXXX did not do their research correctly into the information surrounding either one of these, the XXXX XXXX XXXX XXXX bankruptcies that was done on a fraudulent basis with the attorney 's firm and therefore, creating me to become a victim of identity theft with the IRS.

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 2024-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: FL

Complaint narrative:
This is in furtherance of a complaint I have already filed that was mishandled by the responding party. They allege that the entirety of my complaint revolves around damage to the vehicle which was not what was outlined by myself. The initial issue revolves around an illegal repossession, ( as I stated that I did not want the vehicle removed from the premises and it was, in fact, removed without consent. ) I expressed the desire for any damages or fees associated with this event, if they were to occur, to be applied to the remaining balance of my vehicles lease. This wording seems to have been misinterpreted by the offending party. 

I have, upon further inspection, found that the tow service did indeed cause exacerbated damages to the undercarriage of my engine compartment, a status of which i was unaware of at the time of signing for the vehicles release from the tow yard, the value of which I will be adding to the {$450.00} this ordeal has already cost me. 

I have reached out to the company about these fees, ( not of those associated with the damages as I have not gotten a repair quote for those, ) and for a copy of my contract and have not received a satisfactory response for either request. I have now sought to rectify this in court if the matter is not civilly resolved in a timely manner. 

I have been told by a representative over the phone that my inability to pay my past due balance at the time of the repossession was an intentional lockout on their systems part, and that due to the length of my non payment status I was prohibited from responding to the event by manner of submitting a payment that would have ceased the repossession. 

The main reason for my complaint revolves around this predatory and unfair practice by the company and I believe that i should have been able to exercise my right to prevent the repossession of my vehicle through their systems at the time of the event instead of incurring fees and causing what has now turned out to be damages to my vehicle, ( as I was afraid might happen. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint - Request for Assistance in Reopening Dispute Claim for over {$7500.00} Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and seek assistance regarding the closure of my bank account last XXXX # XXXX claim for over {$7500.00} merchant name, XXXX, before the resolution of a dispute claim involving unauthorized transactions that I strongly believe were a result of fraud. 

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can confirm that I have conducted a comprehensive investigation involving my other bank account H & R Block Spruce account. Enclosed with this letter, please find supporting evidence from these investigations. The evidence clearly indicates fraudulent activity associated with the transactions in question. 

The closure of my account has resulted in significant inconvenience, and I am concerned about the impact on my credit and financial stability. I have attempted to resolve this matter with the respective banks directly, including Bank of America, but to no avail. 

I kindly request the XXXX XXXX XXXX XXXX intervention to facilitate the reopening of the dispute claim and a thorough investigation into the fraudulent activities outlined in the enclosed evidence. I believe that a fair examination of the facts will contribute to a just resolution of this matter. 

Enclosed, please find the supporting documentation from the investigations conducted by XXXX XXXX XXXX XXXX account. I am prepared to cooperate fully and provide any additional information necessary to assist in the resolution process. 

Your prompt attention to this matter is greatly appreciated. If further details or documentation are required, please feel free to contact me at XXXX or XXXX. 

Thank you for your time and assistance in addressing this issue. 

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 explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Why don't I have a FICXXXX SCORE? I also went to www.experian.com/upload to submit my documents and or my supporting your claim electronically to no avail.

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 2024-02-03 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-03 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: CA

Complaint narrative:
I had a checking account with Chase for over 2 years. I deposited a check and they closed my account. The date of closure is XX/XX/2023. The amount was {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: VA

Complaint narrative:
Yes I have a family member that committed identity theft and opened a credit card account that I did not get permission to open this is fraud, payments have been made on the account to keep me from finding out but this account does not belong to me and I will like it to be deleted from my Credit profile please This was done without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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 sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXX  Balance Owed : {$370.00} RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-02-03 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:
I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX  XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Today, XX/XX/24 I used my debit card for atm withdrawal, but this bank enabled transaction to convert to credit card draft, charging a {$23.00} fee without my authorization. 
This demanded my driver 's license to be recorded & signature required, the very definition of data mishandling. An audit is highly recommended.

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 monetary relief
Consumer complaint received 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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 has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-02-03 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:
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. 

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 has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Account XXXX : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief