vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
First of all I've been a loyal customer with chime Bank for almost 4 years now I got incarcerated in early XX/XX/XXXX and was detained/ incarcerated at the XXXX XXXX detention center all the way from then until I was released on XXXX the XXXX XXXX I've sent multiple emails to time explaining that I just want my account to be reopened back up and an investigation done I had a very small amount of money in my time account the day I was arrested I do believe it was like {$45.00} something along the lines not really so much worried about the money more worried about the fact that chime refuses to investigate also refuses to give me my almost 4 years of bank records I have a Time credit builder account with them also that I can't log into because they closed my regular time begging account which makes it to where I can't log in at all I have been emailing chimes customer support back and forth for the last 2 weeks and they keep emailing me back the same small three sentence reply we looked further into your account and we are unable to reopen your account due to a negative balance of {$2.00} yes {$2.00} and that's it nothing they can do about it they say so a loyal customer of time myself XXXX XXXX I was banking with chime in the state of Maryland when many people in Maryland didn't even know what or who chime was I recommended a lot of people to time do believe I still didn't get my referral bonus for a few of them but that's not what this complaints about this complaint is mainly about time doing no investigation when I emailed them and once again on this complaint going to state I am more than willing to supply any and all documents proven my identity including my state of Maryland identification card birth certificate etc and I'm more than willing to provide documents proven I was detained and incarcerated on the XXXX of XX/XX/XXXX and wasn't released from the XXXX XXXX detention center until XXXX the XXXX XXXX chime needs to have a supervisor really take a look at how I was a loyal banker of chime and used chime a lot receiving direct deposits from my employment and putting cash deposits in myself paying all my bills through time because my time was connected to my XXXX XXXX so I would get the boost on my credit score through XXXX booze by paying my XXXX XXXX XXXX bills on time. I think it would only be right for chime to investigate and at least reopen my chime banking account so I can keep my time credit builder account in good standings also and add money to my time checking account so I will be {$2.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received a {$100.00} American Express gift card for XXXX yesterday. I have tried using it on three different occasions so far. Each time I try to use it it gets declined. I went to the website on the back of the card to check the balance and to make sure the card was active. The website showed me that the card was active and that I had an available balance of {$99.00}. The missing {$.00} is from the merchants where I tried to use the card. Each time I try to use the card and it gets declined I am charged {$.00}. I also spoke with customer service from one of the merchants about the decline message and they just suggested that I try using the card somewhere else even though their websites specifically states that they accept American Express gift cards. When I called the phone number on the back of the card, it is just an automated message. The automation gives you different options to try to get your card to work such as making sure youre entering the correct security code as well as ensuring that the card has been activated. Ive tried all these things already and I still have the same issue. I dont understand why this card is so hard to use and I also can not speak to a person about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
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 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 2023-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
On XX/XX/2023, I recieved a call from debt collector at Central Portfolio Control CPC stating that they were attempting to collect a rental debt for {$4100.00} owed to an apartment in XXXX, TX at XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX for two months rent from XX/XX/2023 - XX/XX/2023. I informed the agent that I had never lived in Texas before and that they needed to check the information for accuracy, the agent was rude and abusive toward me when I questioned him, I told him that I was not the one who rented that apartment and I requested the original lease agreement and the identification documents that was presented to rent that apartment. 

They have not provided me with any proof or resolution, instead, they have been harassing me via phone calls and threatening to send the debt to the credit report agencies to ruin my credit score. 

I have attempted to find the aforementioned apartment on XXXX and the phone number listed for them is not responsive, I have attempted to contact them multiple times unsuccessful. The collection agent gave the apartment manager XXXX XXXX 's phone XXXX, I left her multiple voicemails in one week and I have yet to receive a call back from them. 

I have also attempted to make a police report with XXXX  and I was told that an officer would give me a call back- it has been two weeks since and I have not received letters, emails, or calls from them. 

I have reached out to credit reporting agencies, XXXX, XXXX, and XXXX to report the identity and to add a fraud alert and security freeze on my credit report. 

I also made a fraud report with the Federal Trade Commission FTC, case number # XXXX. 

I plan on pursuing legal action against all persons who are involved in this fraudulent case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumer privacy. Entities like XXXX, XXXX, and XXXX operate as consumer reporting agencies, while I stand as the Consumer. It's imperative for me to protect my private information, reinforced by 15 USC 6801, emphasizing the Congress 's policy for financial institutions to uphold customer privacy and safeguard nonpublic personal information.

Jpmcb-Card Services falls under the definition of a financial institution. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports based on the explicit written instructions of the related consumer. Neither Jpmcb-Card Services nor the consumer reporting agenciesXXXX XXXXXXXX, and XXXXhave my consent to furnish this information, written or otherwise. All previous forms of consent, whether verbal, non-verbal, or implied, are hereby revoked.

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution must inform consumers of their right to prevent the disclosure of nonpublic personal information to third parties, which Jpmcb-Card Services failed to do. The reporting of adverse information about my account, as per 15 USC 1681C ( a ) ( 5 ), without my permission, is unlawful.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. 

XXXX, XXXX, and XXXX are not upholding reasonable procedures, as required by law. Finally, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting of my credit balance and credit utilization immediately.

Thus, based on these regulations and statutes, I demand that XXXX, XXXX, XXXX, and Jpmcb-Card Services cease reporting my information without my explicit written consent and respect my right to opt out of these reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LUXURY CARS XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: LEXISNEXIS
State: TX

Complaint narrative:
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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what MET DATA company is nor have I ever had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, I Sent all XXXX credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft, I Sent all 3 credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2023, American Express denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX XXXX XXXX, so im not sure how that company can report something that isn't my account. I explained that American Express, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX American Express National bank I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ).

American Express and American Express National Bank has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2023, American Express denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX XXXX XXXX, so im not sure how that company can report something that isn't my account. I explained that American Express, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express Indenture agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your 10-k form that explains in detail about notes and securitization transactions from the Security Exchange Commission website . American Express National bank I ask that you please open my line of credit.

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ).

American Express and American Express National Bank has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have 5 business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023, XXXX XXXX denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with Experian credit agency, so im not sure how that company can report something that isn't my account. I explained that XXXX XXXX, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by XXXX XXXX XXXX XXXX  on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your XXXX XXXX XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ). 
XXXX XXXX and XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated 12/15/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, 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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Non payment by Wells Fargo Bank of a {$2500.00} bonus for opening a Premier checking account for at least {$250000.00}, and maintaining for at least 90 days.

See advertised offer below 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 explanation