vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank denial me access to my credit. Despite XXXX Citibank customer service rep telling me its Citibank 's credit they are lending ; I would like to draw your attention to the case law that supports my claim. In XXXX XXXX of Commerce v. Atkinson ( 55 E 471 ), it is established that a national bank can not lend its credit or act as an accommodation endorser. Similarly, the case of XXXX XXXX XXXX of Tallapoosa v. Monroe ( 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550 ) affirms that while a bank can lend its money, it can not lend its credit. As per the provisions of the Equal Credit Opportunity Act ( 15 USC 1691 ), Regulation B ( 12 CFR 1002 ), and the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ), I believe that your denial is unjustified and may constitute a violation of federal and state regulations regarding fair access to credit. Denying me access to my credit without proper justification may constitute violations of the Equal Credit Opportunity Act, Regulation B, and the Pennsylvania Fair Credit Extension Uniformity Act.

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 2024-03-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
. It is my belief that JPMCB Card Services has reported information that is incorrect, and this misreporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The specific sections of the FCRA that I believe have been violated include, but may not be limited to : Section 611 ( 15 U.S.C. 1681i ) - According to this provision, I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete, and JPMCB Card Services is required to conduct a reasonable investigation of my dispute in a timely manner.

Section 623 ( a ) ( 1 ) ( A ) - This section obligates JPMCB Card Services to provide accurate and complete information to the credit reporting agencies. If the information can not be verified, it should not be reported. 

Based on these provisions, I am requesting that JPMCB Card Services provide me with proof of the alleged debt, including the original contract with my signature and a detailed account statement demonstrating how the balance was calculated.

Furthermore, I request that if JPMCB Card Services can not furnish verifiable and accurate documentation, the information should be corrected or removed from my credit file immediately, as its continued presence is causing me harm and is not in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ME

Complaint narrative:
on XX/XX/XXXX i called chime because my phone was taken and i had XXXXXXXX XXXX in multiple transactions pending for charges i never made or allowed XXXX XXXX XXXX {$400.00} {$200.00} {$100.00} $ all within XXXX hours of each other. i told them i did not make these charges can you un pend them i had to get a new phone. they said they cant call when they are no longer pending and we will dispute them. i called the very next day and disputed them. the site that had my card and the transactions were done on was draftkings. some how they managed to deposit XXXX XXXX from my bank to this site with out needing verification codes or any proof that amount in a short time was legit. draftkings has NO CUSTOMER SERVICE number its a voicemail and they never contact you back i send them over XXXX screen shot emails of me trying to contact draftkings to dispute this and they don't respond draftkings customer service is non existent and doesnt care thats not fair. they only way they would help me is if i admitted the charges were mine and thats not right i have email proof of them saying that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2024, I received an email thanking me for signing up for a Chime account. I did not sign up for this account. I contacted the company and had the account canceled. I asked them to give me more information about opening the account but received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 BUSINESS days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION, XXXX AND 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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: TX

Complaint narrative:
I was charged a {$41.00} late payment fee on XXXX when I paid my account off on XX/XX/26.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/XXXX I was set up with an interview for work with XXXX XXXX XXXX. XXXX XXXX emailed me for interview and to take interview with XXXX XXXX on XXXX. After interview XX/XX/XXXX I was sent a job offer from them to work for XXXX XXXX XXXX. On XX/XX/XXXX the first day I was sent checks to deposit in my personal account. I didnt want to do it but because it was for the company I decided to deposit for equipment what was asked. XXXX sent me 2 {$1500.00} checks to deposit. I direct deposit into my US Bank account and they ok by putting {$220.00} available under my account while 2 checks are pending. I tell XXXX whats available and she tells me this vendors number and to send this XXXX as payment for equipment. She says to message him the {$220.00}. I thought its something Ive never done, again for the company I then set up XXXX XXXX XXXX {$220.00} then send it to vendor XXXX ( XXXX ) XXXX. XX/XX/XXXX The next day I get a hold on my US Bank account. They tell me because of checks. I send this info to XXXX and she tells me XXXX send a code to US Bank for approval. Following day I contact US Bank they say these checks are fraud and my account will be closed. I ask them I truly need account for unemployment and taxes refunds. The tell me to go into US Bank talk to Branch Manager and explain. I start talking to Branch XXXX XXXX XXXX XXXX about my situation he says XXXX email corporate about how my account needs to be activated cause Ive had my US Bank account for 15 years, never any negative situations occur. 3 days later I was told to pay {$220.00} in my account to get it to be activated again. I had XXXX $ in my account so I brought XXXX to activate account. XX/XX/XXXX My account becomes active and I order a new card so I can use my account like normal. The only thing I worry about now is my US Bank Mobile App is still on hold until they reset but because of fraud checks it put risks where online banking I have holds or thoughts of this situation. I was told to contact XXXX for return of {$220.00} to resolve this situation and get money I lost back. Ive emailed XXXX about this and they emailed back this is a scam that they dont do business here in the US . I sent them all info about this and asked for help. They havent replied back.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The private details mentioned in these papers aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: WA

Complaint narrative:
I am filing complaint regarding Equifax Information Services LLC 's failure in handling my request to remove information from my Equifax credit file related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized NGO ; Victims Self Attestation identifying the adverse items of information needing to be blocked along with a governmental issued drivers license, Equifax has failed to resolve the matter. Equifax 's actions violate 12 CFR 1022.142 ( e ) of the Fair Credit Reporting Act, which require consumer reporting agencies to block adverse information within XXXX business days from receipt of submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

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 2024-03-07 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:
Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX  treasury XXXX form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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 have requested from the credit bureaus to remove these inaccurate inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NY is defunct. Washington Mutual took over Dimes ' accounts. Washington Mutual is out of business. All accounts were transferred to JP Morgan Chase Bank. Chase check and does not have my account. On XX/XX/year>, I had on deposit, {$1000.00}. For years, I have made inquiries, the last one, Chase. I gave my SS number, and the account was not listed. By now the state or FDIC should have my money. I've checked NYS 's Unclaimed Funds and my name does not appear. 

Throughout the years, the banks have never notified me of the transfers or instructions. I had to get wind of closings by watching the evening news or word of mouth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: VA

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have the incorrect information reporting and you have failed to update it. As seen on my XXXX & XXXX report compared to yours I have XXXX late payments with this company in fact I paid the loan off early! I asked you over 90 days to update it and you didn't. That's AGAGINST the law. Update the account now please : XXXX XXXX auto loan All months on time See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: WI

Complaint narrative:
EXPERIAN HAS REPEATEDLY FAILED TO COMPLY WITH 15 USC 1681e, ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THE FOLLOWING INACCURATE AND INCORRECT ACCOUNTS HAVE REAPPEARED AND CONTINUE TO APPEAR ON MY EXPERIAN CONSUMER REPORT IN VIOLATION 15 USC 1681i ( a ) ( 4 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

CONTRARY TO AND IN VIOLATION OF 15 USC 1681i ( a ) ( 4 ), EXPERIAN HAS FAILED TO CONSIDER MY XXXX CONSUMER REPORT DISPUTE RESULTS AND CFPB COMPLAINT XXXX REFLECTING THAT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, ARE NOT MINE AND HAVE BEEN PERMANENTLY DELETED FROM MY XXXX CONSUMER REPORT AND XXXX 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay.

The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.

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