vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase did not offer me anything. Out of the blue I received an email informing me my chase card was put in a XXXX XXXX I didnt authorize and dont want XXXX or anything else added to my account without permission. 

Received via email XX/XX/XXXX XXXX XXXX Your Chase card ( ... XXXX ) is now in your XXXX XXXX Your eligible Chase card is now in your XXXX XXXX  and ready to be used for online checkout at participating businesses. 

XXXX is : More secure. XXXX doesnt share your actual card number, allowing you to check out more securely online. 
Offered by Chase. As one of a few participating banks offering XXXX, Chase gives you the same trusted financial experience youre used to. 
Convenient. XXXX combines your cards into a single wallet, so you dont have to set up new usernames or passwords. Simply choose the card you want to use at checkout. 

Want to learn more about XXXX? Visit our FAQs. 

How to opt out of XXXX : You can remove your eligible cards from your XXXX XXXX in the Chase Mobile app or opt out entirely through XXXX 

Contact us if you have more questions or would like additional help removing your cards. 

If you think we sent you this message in error, call us at the number on the back of your card right away. 
Securely access your accounts in the Chase Mobile app or at chase.com. 
ABOUT THIS MESSAGE Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

This service email gives you updates and information about your Chase relationship.

Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your accounts including your latest account balances and transaction details. 

To protect your personal information, please don't reply to this message. Chase won't ask for confidential information in an email.

If you have concerns about the authenticity of this message or have questions about your account visit chase.com/CustomerService for ways to contact us.

Your privacy is important to us. See our online Security Center to learn how to protect your information. 

XXXX JPMorgan Chase & Co .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TN

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Around XX/XX/XXXX of XXXX My XXXX XXXX  was compromised and money were being transferred without my knowledge. I filed a claim with them ( XXXX ) for about XXXX dollars instead of helping me they decided it was not their problem and closed out my account for violating their rules which i did not. so i tried to file a claim with my bank ( Citizens ) for the lost money after XXXX review they said it up to XXXX XXXX to correct the issue decided their decision was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: MD

Complaint narrative:
My rights were violated. A charge off is a certificate of indebtedness and that is income. 
Income can not be reported on a credit report. 

5 USC 552a Per the Privacy Act of 1974 These agencies have continuously violated my request to remove the income off of my credit report causing me immense harm. They stated that they will continue to report the income on my report for XXXX years.

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 2024-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
from XXXX  related to XXXX and XXXX exchange service their phone : XXXX illegaly and wrongfully withheld XXXX from my SS check and have no other income source. 
Crime : Stolen identity or terrible errors in billing XXXX is the bill collector for XXXX and XXXX XXXX XXXX a gov. related busisness. ( XXXX ) Thank you so much ; A bill collector named XXXX, with XXXX XXXX and successfully garnished my Social Security, without even notifying me they would do so. I outlined for them a three page document pledging the statements to be true that it would be impossible for me to have order and not pay for items they claim i ordered but did not pay for. I appealed to them to show that I ordered such items ; they could not provide any documents to prove I had ordered ten items. They, then threatened to garnish my SS which they did on the tenth of XXXX of this week! I sent to them two and a half weeks prior to their garnishment explaining my reasons why I had not even ordered these ten items totaling about XXXX! They did not respond in any way to my emails and phone calls but just removed XXXX from my monthly check! They claim that I ordered these items, but I did not. They sent me some impossible to read pictures of items having arrived to my front deck of my house. But those items were delivered in XXXX and XXXX, but they did not send me any bill for these items until XXXX, and it was only an obscure e mail. 
No business letters never arrived until XXXX, and when it arrived it did not look like business bill! Therefore, I did not take it seriously. About mid XXXX I got a letter from the treasure department warning me of my un paid bill. It was a bill for XXXX. I knew I had never bought anything from XXXX and XXXX XXXX, so I thought it was a mistake. 
By XXXX They finally sent me another letter, then warning me that they could have my SS income garnished. At that time I phone them and they told me they would phone me back to explain their action. They never phone me. Finally after repeated pleas on my part to explain my innocence of these charges. 
XXXX never answered how would it ever have been possible for me to have them send items to me without my paying for these items in advance, i.e. a charge card or check. ( I do not use charge cards at all, and do not write checks. ) I asked them repeatedly, why would they send me items they charged me for, that I had never ordered? Further, why would they send me anything if I had no charge account with them. ( I had no charge account with them. ) Even if I had a charge account, which I did not, I could not charge more than XXXX dollars and they claim I had a XXXX bill! 
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 2024-01-12 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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/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 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

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 2024-01-12 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: MD

Complaint narrative:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied the Discover it credit card at XXXX last year successfully, but after several payments, the bank restricted my credit card suddenly and asked me to provide my personal identification verification via notary service. The bank told me that they initiated this process as they realized that my passport is from XXXX. 
I am new to US, and I have my working XXXX issued by US. Meanwhile, I also followed the bank 's requirement to have a notary document by XXXX, and uploaded it to the bank 's system following with its instruction. But the bank still restricts my account and says they will close it without any reason. And it will definitely impact my personal credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$430.00}.

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 explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2024-01-12 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint to address items that should all be updated/ removed from my credit report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.

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 2024-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
-On XX/XX/XXXX I received an email from Freedom Mortgage notifying me that they had conducted an Annual Escrow Account Analysis for the first time since they had acquired my VA XXXX XXXX Mortgage Loan from my original server in XXXX of XXXX. Accessing that Escrow Account Disclosure Statement ( actually dated XX/XX/XXXX ), I learned to my chagrin that even though the year-end escrow account balance was only- {$220.00} ( and which was corrected with the next escrow payment 4 days later to + {$160.00} ), Freedom Mortgage insisted that Id had a Shortage in my escrow account of {$4100.00}, and that I would have to send them a check in that amount right away or passively accept an automatic 37 % increase in my monthly mortgage payments ( from {$1300.00} to {$1800.00} ) to cover their charges in a XXXX Shortage Spread. 

-The next morning I immediately called a Freedom Mortgage Customer Care Representative ( CCR ) as soon as they had opened ( XXXXXXXX XXXX ) and asked that they explain their justifications for claiming that Id had such a Shortage and that they could already alter my Account Page on their website to commence extracting the higher automatic mortgage payments from my checking account. I was told by XXXX different CCRs over XXXX serial telephone calls that the extra Shortage charges were being enacted in order to build an Escrow Cushion for Freedom Mortgage, and that there was nothing I could do about their analysis results or subsequent account management decisions. 

-When Id then asked during the second telephone call ( made at XXXX on XX/XX/XXXX as well ) to speak with a CCR supervisor, ( and after Id pointed out to her that their Projected Minimum Balance for my escrow account was actually THREE TIMES LARGER than the escrow cushion allowed by the Consumer Financial Protection Bureau-enforced restrictions of 12 CFR 1024.17 ( c ) [ Limits On Payments To Escrow Accounts ] ) she reported to me that she could offer me two other options to resolve this issue, those being : 1 ) She could arrange to spread the {$4100.00} charge over 60 months. 
or 2 ) I could change my status to Escrow Free and manage my own escrow account payouts directly, thus leaving Freedom Mortgage to bill me ONLY for the monthly Principal and Interest payments of my mortgage loan from then on! 

-After Id eagerly accepted the second option on the phone then, and after two Secure Message Center in-house emails and one Qualified Written Request sent by USPS Priority Mail later to reemphasize my desire to go Escrow Free from Freedom Mortgage BEFORE the first inflated automatic payment has been taken by them from me in less than XXXX weeks, Ive still received no answer either way.

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 2024-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES : 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 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 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 XXXXXXXX I AM A VICTIM OF IDENTITY THEFT

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 2024-01-12 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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-12 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: IL

Complaint narrative:
I am submitting this complaint to address items that should all be updated/ removed from my credit report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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