vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am writing to express my deep concern and frustration about an incident that occurred at your XXXX, Minnesota branch. On XX/XX/year>, I attempted to withdraw {$4000.00} from my checking account. However, I was treated with a level of disrespect and discrimination that was both humiliating and deeply distressing. 

When I requested the withdrawal, XXXX, an employee at the branch, informed me that I could not take out that amount. When I asked for clarification on the maximum allowable withdrawal, she stated it was against company policy to disclose that information. 

I then approached another employee for assistance, but XXXX intervened, telling the other worker not to help me. She claimed to be the XXXX and threatened to call the police if I did not leave. The situation escalated when she followed through on this threat, falsely telling the police that I was disturbing the peace. This was not only frightening but deeply embarrassing, especially as a XXXX XXXX  in XXXX. 

I believe XXXX actions were racially motivated. Her discriminatory behavior and the unjust closing of my accountsafter years of loyal business with Chaseare unacceptable. No customer should be treated this way, and such conduct has no place in any professional environment. 

I request a thorough investigation into this incident and appropriate action against XXXX. I also seek a formal apology and reconsideration of the unjust account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. nor therefore any such debt in the fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$730.00}, XXXX XXXX XXXX  XXXX {$72.00}, XXXX XXXX balance {$15000.00}

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-26 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-11-26 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-11-26 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:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

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 2024-11-26 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follo
ws : 1. Account Name : XXXXXXXX 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 XXXXXX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: NY

Complaint narrative:
The issue centers on XXXX and several companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and Extraproviding and maintaining inaccurate and unverifiable information on the consumer 's credit report. Despite prior disputes, these inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which mandate accuracy and thorough reinvestigation of disputed items. Additionally, these errors and inconsistencies may involve fraudulent activity, as defined by 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent or unverifiable information. This failure undermines the consumer 's creditworthiness and calls into question the accountability of both the credit bureau and the reporting entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc
State: NY

Complaint narrative:
The issue centers on XXXX and several companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and Extraproviding and maintaining inaccurate and unverifiable information on the consumer 's credit report. Despite prior disputes, these inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which mandate accuracy and thorough reinvestigation of disputed items. Additionally, these errors and inconsistencies may involve fraudulent activity, as defined by 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent or unverifiable information. This failure undermines the consumer 's creditworthiness and calls into question the accountability of both the credit bureau and the reporting entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXXXXXX 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 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 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XX/XX/year> the web administrator refuses to submit application for credit line. The application web administrator says it's unable to accept applications against federal equal credit opportunity act. I am sole reliant on federal equal credit opportunity act for finances and I am unable to fund account.

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 2024-11-26 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Subject : Verification of Debt, Dispute of Inaccurate Debt -Do Not Owe, and Reporting Against FCRA Guidelines After Validated as Accurate I am writing to formally dispute the debt listed on my account with Merchants Credit Guide account # XXXX, as I do not owe this amount and consider the information provided to be inaccurate. Under the Fair Medical Billing Act all billing is to be sent to the insurance within 6 months from the date of discharge. Also under the Fair Medical Billing Act it states the Medicaid patients are not to be billed for any remainder of a bill. This bill was never sent to Medicaid nor billed to myself within the proper time. My medical insurance was on file which is what the actual hospital billed. I didn't even know of this bill until I noticed it on my credit report as the collections account ( over 6 months ). FCRA 605 and FCRA 607. Under the Fair Medical Billing Act if the billing guidelines are not followed the patient is not the responsible party. It is the duty of the medical creditor to write off the bill. The patient is in no reason to be held liable for the bill. Also, Medicaid patients are not to be billed for a remainder of any bill. This bill has already been sent to Medicaid by Merchants Credit Guide and was refused by Medicaid due to failed to follow billing procedures.

This bill is also being inaccurately reported. It is being reported as a collections account that is open, past due, and the status update is being updated every month as a collection making these collections as recent collections within the last 30 days. This is severely hurting my credit score. 15 USC CODE 1681-2.

Please provide me with written verification of this debt ( itemized bill ), the date this was first billed to medicaid, the reason with date medicaid refused to pay, and detailed documentation supporting the claim that I owe this money, as required by the Fair Debt Collection Practices Act ( FDCPA ) and where under the FCRA the status being reported is correct. FCRA 611 and FCRA 605. 
Also, XXXX has already deleted this account for being inaccurate this should have been relayed to the other credit bureaus a Violation of FCRA 623. 
Please contact me at XXXX or XXXX if you need any further information regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kora Financial
State: AZ

Complaint narrative:
I have no idea what this debt is, or who these people are and have never received documentation about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hatfield, Inc.
State: NY

Complaint narrative:
The reporting of accounts from XXXX, XXXX XXXX, and Extra and the others ive listed in the letter attached continues to be inaccurate, with no substantiation from the companies involved. These errors, which have been disputed but not corrected, indicate that fraudulent data may be contributing to the discrepancies in my credit report. XXXX 's failure to block these accounts, as required by the FCRA, has resulted in a negative impact on my credit score, causing unnecessary financial harm and demonstrating that fraudulent activity is being allowed to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received two American Express prepaid gift cards with balances of {$3000.00} and {$1800.00}. When I tried to use them, they were declined by nearly every vendor online that I tried. I can only use them at local grocery stores. After researching into the issue, it's clear that many others experience the same problem with American Express gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Venmo Holding Funds Without Justification Dear CFPB, I am writing to file a formal complaint against Venmo ( operated by PayPal, Inc. ) regarding their unjustified decision to withhold {$430.00} of my funds. Venmo claims I violated their terms of service, but they have provided no valid evidence to support this accusation, nor do they have any entitlement to retain my money. 

The funds in question originate from legitimate transactions conducted with a legally operating gaming site in my state. All activities on my account are entirely lawful, and I have fully cooperated with Venmo by verifying every document they requested. Despite this, they continue to hold my money without any valid reason or proof of fraudulent activity. 

I have made multiple attempts to resolve this matter directly with Venmo, but their responses have been inadequate. Their actions are not only baseless but also a violation of my rights as a consumer. This situation has caused me significant financial hardship and frustration, as I rely on access to my funds for essential expenses. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that Venmo releases my funds immediately. Enclosed, I have provided copies of all relevant documentation, including [ list what you are including, e.g., transaction details, verification submissions, and correspondence with Venmo ]. 

Venmo has no right to withhold funds that belong to me, especially when all transactions have been proven to be lawful and legitimate. I trust the CFPB to address this issue promptly and ensure that companies like Venmo are held accountable for such wrongful practices. 

Thank you for your attention to this matter. Please feel free to contact me at [ your email address or phone number ] if you need any further details or documentation. 

Sincerely, XXXX XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief