vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The credit card was open XX/XX/2021 I activated my card and lost it and someone used my card and maxed it out to {$5300.00} I didnt receive no security alerts no fraud alerts telling me someone using my card. I received a statement saying my credit card was maxed out for XXXX immediately called chafe fraud department to dispute those transactions they never responded to my complaint closed my account and put it in the collection I told them to investigate the transactions it was unauthorized transactions but instead they closed my credit card and say I had to pay the unauthorized transactions that I disputed and closed the account with no explanations and now put a XXXX debt on my credit that I didnt do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-09-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 Chime Made an adjustment in the amount of {$2200.00} leaving me with a negative balance. I was stranded in Florida during Hurricane Ian. They said it was XXXX XXXX. that required the funds. Chime claimed they received an LOI Letter Of Intent. They told me there was nothing they could do and I needed to contact XXXX XXXX. I did. I even made a complaint against them here a year ago. However, XXXX XXXX  told my bankruptcy attorney and myself they did not give an LOI. They did not request such funds. I revisited Chime with this news. Chime did not comply. 

I requested Chime provide me with the letter of intent. They then advised me they could not find it. It has been almost a year. I call Chime daily and I email them daily. They say it has to be escalated to the internal team via back office email and they repeat this over and over again, each time I call leaving me with no answers and or solutions.. 

I am appalled at the level of service I have received. I have gotten nowhere. I have provided Chime via email proof of the letter from XXXX XXXX. They provided me with here. Along with a copy of the email from us bank with my bankruptcy attorney in the email threads, as well as a copy of my discharge papers. However. Chime still refuses to fix the adjustment and keeps sending me back to XXXX XXXX. 

I had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing this letter to file a formal complaint regarding an ongoing dispute with XXXX XXXX XXXX XXXX, an account that I had disputed with Experian. I am deeply concerned about the inaccurate information presented in the original documents provided by XXXX XXXX XXXX XXXX during the verification process. 

On XX/XX/2022, I initiated a dispute with Experian regarding an account held by XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that XXXX XXXX XXXX XXXX verify the information they were reporting. Subsequently, XXXX XXXX XXXX XXXX responded by sending over what they claimed to be the original documents related to the account in question. 

Upon reviewing the documents provided by XXXX XXXX XXXX XXXX, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by XXXX XXXX XXXX XXXX. 

Attached to this letter, you will find copies of the documents sent by XXXX XXXX XXXX XXXX  as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by XXXX XXXX XXXX XXXX. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.

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 2023-09-05 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Unverified inquiry on my report maintained by Equifax. I even got a confirmation # that the inquiry had been deleted and removed but clearly good faith was not displayed by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: CT

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-05 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: TX

Complaint narrative:
Experian, XXXX, and XXXX continue to report inaccurate information on the account Dpt EdXXXX XXXX. 

Account # : XXXX XXXX XXXX Bureau Code : Individual Terminated Individual Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$44000.00} {$0.00} {$44000.00} Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Last Active : XX/XX/2023 XX/XX/2023 - Date of Last Payment : XX/XX/2023 XX/XX/2023 - This means this account has not been properly verified per the requirements of FCRA. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been completely unable to use my account, withdraw funds or use my debit card. Ive reached out to my bank with no solution or assistance from them. I can not access or use my money

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been 90+ days I have been contacting and submitting the correct information to each credit bureau . ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA

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 2023-09-05 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: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This is the result of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My second attempt with CFPB. Been denied the credit if XXXX back to my account. Wells Fargo states I gave out my pin to ppl in Texas, Florida, California. I dont know how I can provide my pin when I absolutely know of anyone in these states. I absolutely do not give my PIN number to anyone but myself. I feel you did not try hard enough to help in retrieving my money back to my personal bank 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 2023-09-05 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: OK

Complaint narrative:
I received a copy of my credit report and there was information on it that didnt belong to me

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 2023-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I asked the company to provide the copy of the promissory note with my signature. 
Stating to agreement to make payments to their servicer. 

Also I want to know what bank is in charge of my loan so I can communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I can not access my TransUnion account online, and TransUnion can not figure out what the problem is. 
XX/XX/XXXX - I try to log into my TransUnion account to remove a credit freeze so I can change my internet service to fiberoptic cable. Currently, the provider says there's a freeze on my accounts so they can't check my credit. I have removed the credit freeze from the other two credit agency accounts, but can't access TransUnion. 
Over several days I reset my password several times, try to set up a new account, empty the cache. I wait before logging in to see if any of these steps works. 
XX/XX/XXXX - Call TransUnion. Representative tells me that he can get into my account and that it looks OK on TransUnion 's side. With his assistance I clear the cache and reset the password. He tells me that I should wait XXXX hours and try to log on again. 
XX/XX/XXXX - XXXX later. I still can't log on. I call TransUnion. They suggest basic trouble shooting : new browser ( I switch to XXXX and reboot my computer ), clearing the cache. Representative puts me on hold to follow up on what to do. After a XXXX minute wait he tells me there is something wrong with my account, perhaps it needs to be rebuilt. Gives me a case number and says TransUnion will follow up in XXXX business days. 
XX/XX/XXXX - I haven't heard from TransUnion, call to follow up, provide the case. Rep tells me he can't see anything wrong with my account and puts me through the same basic trouble shooting. I tell him I have already done all these things with the previous representatives. I ask what the case says. He says it says there's nothing wrong with my account. I tell him I need to get into my account to remove a credit freeze. He tells me there is no credit freeze. This worries me because I put a freeze and fraud alert on all my accounts several years ago due to identity theft. He gives me another case number and says in XXXX hours a manager will call to follow up with me. 
I have no confidence TransUnion will resolve this issue because they repeatedly suggest the same solutions ( basic trouble shooting ). And they didn't follow up proactively on the last case, as promised. I am now worried that this account is compromised due to the previous identity theft, but I can't see the account because TransUnion has not solved the problem.

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 2023-09-05 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # 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 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX  -- IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 XXXX 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 of 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 XXXX 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 of 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I was logged in to my American Express account and was offered a second american express card, with a XXXX point bonus. 
I followed the application and received the card. 
When I did not receive my bonus I contacted AMEX who said that I forfeited the bonus during the sign up process. 
I met all other conditions of the offer. 
As I already have an existing account w AMEX they have all my info and have no reason to show me this offer if I wasnt eligible.

I already have an AMEX card I use heavily so my primary motivation for opening a 2nd card was only the promotion.

I requested w AMEX to file an internal complaint, they declined.

I requested to see the screen they claimed I was shown informing me the promo offer was revoked they did not share it.

Company response to consumer: Closed with explanation