vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
BETWEEN XXXX OF XXXX AND XXXX OF XXXXXXXX XXXX XXXX XXXX  / CHASE BANK ACCOUNT WAS HACKED AND I HAD OVER {$5000.00} TAKEN FROM ME AND I HAD NO IDEA AS IT DIDN'T SET OFF ANY ALERTS AND CHASE OR XXXX  DIDN'T ALERT FOR ANY POSSIBLE FRAUD I REACHED OUT TO CHASE ON XX/XX/XXXX THEY DID AN INVESTIGATION BUT CAME BACK WITH BARELY ANYTHING FOR ME AND I CAN'T BELIEVE THEY DID ANY KIND OF INVESTIGATION OR FRAUD FOLLOW-UP AS A BANK SHOULD. 

THEY TOLD ME THEY COULD ONLY HELP FOR A SHORT TIME AND GAVE ME GET THIS {$20.00} BACK. 

CHASE WHO HAD NOT SECURELY MESSAGED ME OR ALERTED ME TO POSSIBLE FRAUD AT ALL WAS NOT HELPFUL IN THE MATTER AT ALL IN THE LONG RUN NOT ONLY WERE THEY NOT ABLE TO HELP BUT THEY ALSO DELETED THE RECORDS FROM SECURE MESSAGING AND NOW I CAN'T ACCESS WHAT THEY SAID EVEN THOUGH IT WAS ONLY A FEW MONTHS AGO AND THEY HOLD RECORDS ON SECURE MESSAGES SO THEY SAY FOR 90 DAYS. I HAD A COUPLE PICTURES AT LEAST THAT I CAN SEND ALONG BELOW CHASE REFUSED TO HELP AT ALL IN PERSON, ON PHONE OR EMAIL. THEY WERE NOT INTERESTED IN ANYWAY. THEY EVEN TOLD ME " YOU'LL GET IT BACK BUT WILL TAKE TIME AND HAVE TO DO A FRAUD REPORT AND INVESTIGATION '', AND NO THAT DIDN'T HAPPEN IT WAS A TERRIBLE EXPERIENCE I'VE NEVER BEEN TREATED WITH SUCH LITTLE CARE BY A BANK. 

AT THIS POINT I EVEN START TO THINK SOMEONE AT CHASE DID THIS TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit reporKindly block and remove the inaccurate accounts appearing on my credit report. This needs to be addressed immediately.t.

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 2024-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
THEY CONTINUE TO CALL AND HARASSE ME SAYING THEY GON NA HAVE ME ARRESTED I EXPLAINED TO THEM SO MANY TIMES THAT THEY HAVE THE WRONG PERSON I HAVE ASK TO SEE WHO NAMES ARE ON THE CONTRACTS AND NEVER WAS PROVIDED WITH THAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I TALKED WITH A REPRESENTIVE AND ASK CAN THEY SEND ME A COPY OF THIS CONTRACT OR INFORMATION ON ME OPENING UP THIS ACCOUNT WITH THEM OR WHAT ADDRESS THIS ACOOUNT WAS OPENED UP I DID NOT GET A REPONSE FROM THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: MA

Complaint narrative:
Attached I send you my FTC report, as proof of my claim and I show you all the information that is being reported erroneously and fraudulently. This affects my reputation in my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : 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 2024-05-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : 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 2024-05-17 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: NC

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Repeatedly not able to pull my reports on annual credit report.com Ive gone through ordering it via phone system to only have it never show up either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Sir/Madam, Unfortunately, the TD bank has not addressed my complaint. Firstly, I made the complaint and created the case on XX/XX/XXXX which was overlooked by the bank and no response of claim denial was made to us. Secondly, I made the deposit on XX/XX/XXXX and XX/XX/XXXX at XXXX respectively which the bank has confirmed. Both the checks are endorsed. I lost the checks and the checks were withdrawn the second time at end of XXXX. The first check shows 90 days and second check more than 60 days. How is the check reusable after that length of time and no red flags were there while the perpetrator withdrew the money. Since the bank clearly states the check were deposited the first time why did it allow the perpetrators to withdraw the second time with forgery and no warnings were sent to the endorsee. The TD bank completely fail in verifying the endorsee the second time as well as making sure the check was valid. They also failed in seeing the dates on the checks which the bank has also confirmed being made on XX/XX/XXXX and XX/XX/XXXX. I humbly ask consumer finance department to please review and help me get my money which is earned with lot of work and time effort for small people like me. Thank you sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/2024 Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : XXXX XXXX XXXX Account number : XXXX I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, 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 2024-05-17 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: GA

Complaint narrative:
I recently took a look at my credit report and noticed a lot of unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
I recently took a look at my credit report and noticed a lot of unauthorized inquiries.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is what happened to my husband. He met someone on XXXX who claimed herself to be a single mom doing investment in XXXX for XXXX and XXXX. And the return was 2 times. My husband went to cash advance from new opening credit cards as many as he can. And also asked his friends and family for money promising the return. The accumulated principle was {$400000.00} in total. The money was gone once one day when " she '' told him that the XXXX  crashed and " she '' even asked for more. My husband wasn't interested in anymore. He finally came to the conclusion that it was a scam. Before that, the rest of us already knew except him. But the scam was a bit tricky as " she '' returned a small amount of money when he first invested. He wired money using Wells Fargo. The bank had no way to trace the money back according to my listening and observation from him. He went to Well Fargo to claim and seek solutions. I wonder if it is true and if they are still able to refund the wire using Bank Secrecy Act or contact the other bank. Later, police in New York called him saying that they arrested someone in XXXX or XXXX that had his wire transfer information at home. There is no further news since then. I wonder if Wells Fargo can do anything about it at this point. The incident happened in 2022. And it brings a traumatic experience to me. Thank you.

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 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to file a formal complaint against Chase for false promotion. I feel that I'm not the only consumer who was harmed by their practices. 

In XX/XX/2023, I was enticed by Chase 's offer to open Checking and Saving account to earn {$900.00} bonus after completing required activities ( direct deposits and maintaining required balance for 90 days ). I applied through Chase 's link directly from the offer. 
The offer is still open to the public to anyone interested on their website : https : //account.chase.comXXXX After I have completed ALL the required activities to earn the bonus in XX/XX/2023, I noticed that the bonus hasn't posted to my account. I waited for about 2 weeks and there was still no bonus. So I called Chase and asked them for help : 1. They said that the coupon code did not apply ( even when I followed Chase 's instruction to apply directly from the offer ) that they can't see the offer now that the coupon has expired. I offered to forward them the promotion offer email or upload a PDF of the email that I got from Chase. They stated that they can't receive email or have a way for me to upload the information.

2. I asked to escalate, and after 2 attempts, the agent assigned me a case number ( Case Number : XXXX ) and advised that I may hear from them in 7 business days.

3. After 7 business days had past, I had a missed call from a " Scam Likely '' number, the person left a voicemail and identified herself was from Chase. I did a brief internet research and found some other who reported that number was a fraudulent number. After a few more days, I missed another call from this number. 
4. Around mid XXXX, I received a letter from Chase with the correct case number that said they were not able to contact me and if I still want to speak with Chase, to call XXXX. The letter was sent out by XXXX XXXX ( XXXX XXXX ). I called the number and the customer service rep advised me that they can't see the details of this case, but they will put a ticket in to have the department call me back in 2 business days. 
5. After 3 days I still haven't heard back so I started calling the number and extension that XXXX XXXX left on the voicemail. I have called multiple times ( more than 10 times since I got the letter ) and every time I was greeted by an automated message that the person is not available and my option was to call back or send them an email. There were no email address included in the letter. 

Until today, I still haven't received the bonus that Chase advertised and no other way to get my case information to follow-up. I'm probably more diligent than an average consumer in retaining supporting documentation. I can't help but feel that Chase probably got away with not paying customers who completed their offer requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System Placed on amount on my credit for {$900.00} without my knowledge. I have never spoken to them i do not not this creditor by law they need to validate this debt i haven't received anything from them to say i took this monies from them, when i called they stated they will not removed it which i considered a threat because if u cant validate i owe this monies then it mist be removed

Company response to consumer: Closed with explanation