vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened this account a few months ago and have been using the account perfectly fine. Its a new year and I decided to try to manage my money better and opened XXXX XXXX  accounts. XXXX for my daughter and XXXX for myself. As well as I opened a checking account to transfer money for bills. A day or XXXX later I tried to access my online account and it said my account was locked due to suspicious activity and I called to unlock it. I was told that chase restricted all of my accounts and that they decided to discontinue the relationship with me as a client. I am still trying to figure out what suspicious activity there was that my account was locked. This is the second time this is being done to me and I am being left without a bank account and no access to my funds. I have a XXXX XXXX  XXXX  child and now I have no funds to support her until My next pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I called all unauthorized inquiries and they denied to remove any information and didn't want to work with me on investigate this unauthorized inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I received a letter from Convergent Outsourcing , Inc. on XXXX XX/XX/XXXX stating that I owed XXXX XXXX {$170.00} I wrote Convergent Outsourcing , Inc. a debt validation letter and mailed it to them certified mail with return receipt ( certified number XXXX ) on XXXX XX/XX/XXXX. To this date ( XXXX XX/XX/XXXX ) I have not received the return receipt, nor any correspondence from Convergent validating the debt. The letter Convergent mailed stated that if I write to them by XX/XX/XXXX, they must stop all collection until they show information that shows I owe the debt. 
I believe Convergent has deliberately not responded to my validation request so they can apply this unvalidated account to all my credit reports, which they have done because XXXX days ago I was notified that the account now appears on all three credit reports. I contacted XXXX XXXX on XXXX XX/XX/XXXX, and, per a legally recorded phone call with a XXXX representative, verified the account number I had with XXXX is NOT the same number Convergent is claiming is mine, and I do not owe them any money. If anyone needs to hear the phone call recording, please contact me and I will be happy to play it, or if there's a way to upload it, please show me how and I will gladly do it. 
I would like this unvalidated, incorrect, derogatory immediately removed from all three of my credit reports.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 Transunion repsonded to a compliant that, the following actions were taken on my credit file that XXXX XXXX Updated, XXXX XXXX Updated, XXXX XXXX XXXXXXXX Updated, and XXXX XXXX XXXXXXXX XXXX Updated . According to 15 USC 1681 I ( 5 ) everything has to be complete and accurate, also under 15 USC 1681a and 15 USC 1681 ( 3 ) ( E ) Definition : rules of construction, the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's report, general reputation persnal characteristics, or mode of living is obtained through personal information with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from the consumer. 
Futhermore I would like to know who did they talk to? 
How did they complete the investigation? 
They have also violated my rights numerous times under 15 USC 1681 According to 15 USC 1681 Section 602 A, States I have the right to privacy According to 15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15USC 1681 ( A ) ( 1 )

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
Consumer law 15usc 1681B have no knowledge of these credit company with these hard inquiries on my credit report with XXXX XXXX  exqafax want this unidentified information remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681section602A.states i have the right to privac 15 U.S.C.1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without ant written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter to Transunion marked XX/XX/2022 in relation to hard inquiries listed on my credit report, claiming I do not recall those inquiries and listing them as unauthorized. I asked Transunion to perform an investigation and produce evidence in accordance to what I researched about the law and they sent me a letter on XX/XX/2022 denying my dispute and refusing to investigate. The following are the ones I disputed on my credit : Dispute # XXXX : XXXX XXXX XXXX XXXX ( Finance ) Type : Hard Inquiry Dispute # XXXX : XXXX XXXX XXXX ( Bank ) Type : Hard Inquiry Dispute # XXXX : XXXX XXXX XXXX XXXX  ( Finance ) Type : Hard Inquiry I am asking CFPB to please enforce the consumer regulations and ask Transunion to remove unauthorized credit inquiries from my account and to please submit investigative details and results. 

Thank you CFPB. 

Sincerely 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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, 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:
I have reached out to Experian multiple times in regards to the following unauthorized inquiries listed below all within a day or XXXX of each other by both phone with the fraud department XX/XX/22 and certified mail on XX/XX/22 my request have been ignored and method of permissible purposed was not given to me, even after I requested this. Experian is in violation of my FCRA rights and its damaging my credit. Thus, I am requesting the following inquiries and dates requested below be removed immediately from my credit report. 

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 explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank XXXX discriminates electronic transfer fund verification department XXXX  discriminates. Other customers only need to receive verification codes on their mobile phones or enter bank card information to verify their identities. One of them, and they added an extra question to me before I would answer their questions. Even if I got the answer right, I would say I was wrong. What the XXXX is this? It is clear that bullying me is XXXX discriminatory. My name is XXXX XXXX, and my phone number is XXXX. I want to be fair to me. Everyone only needs one of the two. And I have to add one more verification than them, it's not fair, it's XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not furnish the Experian with the required disclosure, within the period required by the law. XXXX is required by federal law to place a notice of dispute on my Experian account within 30 days of my dispute, which started on XXXX. I have retained a copy of Experian start date of the dispute that is attached, showing XXXX have violated time-stamped copy of my Experian credit report, showing that XXXX have violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30-day mark.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called all unauthorized inquiries and they denied to remove any information and didn't want to work with me on investigate this unauthorized inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I requested a credit report on XX/XX/XXXX. 

The XXXX credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The Equifax credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, a hard inquiry came up on the credit report, which I dont recognize. Date was XX/XX/2022, from Barclays Bank Delaware. I called the XXXX number and they couldnt help me out. I discussed that I never opened a credit card and that someone was using my information. They suggested I get in touch with my credit bureau.

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 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
Topped up with my Virtual card but never received funds! Company denied transaction occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTENTION : Consumer Dispute Department I am writing this letter to delete the following information in my credit file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I asked that thew items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and also i have enclosed copies of the Federal Trade Commision and also i have enclosed cpoies of the Federal Trade Commision Identity Theft Affidavit. Please delete these items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I opened my BECU visa account and found charges made to my visa account by XXXX XXXX XXXX in the amounts of {$21.00}, {$30.00}, {$25.00}, {$25.00}. I did not make these charges, these were made on XX/XX/XXXX. It did not say what the items were, my bank listed them as pending. 
The website with this phone number says it is a Bank Fraud and has been reported to the FCC. 
I want these charges removed from my BECU bank account. I noticed this has been going on since XX/XX/XXXX and it is still happening.. 
I also have problems connecting with DO NOT CALL REGISTRY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
From : NetCredit XXXX To : XXXX XXXX Today at XXXX XXXX XXXX, Here 's Your Personalized Payment Arrangement NetCredit Our Plan Can Help You Dear XXXX, Account # : XXXX Since you have not paid your past-due balance, the remainder of your loan is now due. Call the NetCredit Support Team at ( XXXX ) XXXX to accept this arrangement or make a payment. 
We understand your finances may have been affected by COVID-19. If you're experiencing financial hardship, please reach out to us so we can work with you to figure out a solution. 
Our NetCredit support team is here to walk you through options specific to your

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I registered a XXXX account through Bank of America ( BOA ) using my email address, and received notification that my account was successfully registered today. I would like to add my phone number to my XXXX account. BOA 's online portal says I can not register my phone number to my XXXX account because this phone number violates the terms of service. Neither the website nor the XXXX BOA representatives I spoke with provided me with a reason why my phone number was in violation. 

I also called XXXX app customer service today and they said that the blocking of the phone number is on Bank of America 's end. 

BOA has registered my phone number for all other uses except XXXX and uses it often, including to send me security codes. 

I believe the problem is that a couple of years ago I attempted to register with XXXX XXXX also through BOA ), not realizing that it was a violation of terms to register a phone number that was ported through XXXX XXXX. My phone number is no longer ported through XXXX XXXX. I transferred it to a regular XXXX XXXX  account XXXX years ago. 

I believe XXXX should XXXX required to re-evaluate phone numbers that have been found not to comply with their terms. It is not fair or productive to block phone numbers forever, when the problem with the phone number has already been solved. 

Consumers have many reasons for wanting to keep their phone numbers for the long term. 

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 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
In 2021 I became a crypto.com customer & opted for the XXXX XXXX XXXX They were supposed to keep spotify free for members after 1 year but renegged on the agreement. I am filing this complaint because of that reason. I was also reimbursed only two out of three times for this " membership ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The following accounts on Equifax reports have factual information that conflicts with XXXX and XXXX reports : XXXX : a ) Equifax lists the account as 30, 60 & 90 days late in XX/XX/XXXX & XX/XX/XXXX ; & XX/XX/XXXX ; XXXX & XXXX show pays as agreed, never late. b ) Account closed indicates XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX lists account not closed. c ) Date of last activity, shows no date of last activity, XXXX says XX/XX/XXXX, XXXX says no date of last activity. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 & 60 days last in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says no date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 still see XXXX XXXX on my report after I said I had no knowledge of this and I didnt do it. My score a month ago was XXXX now its XXXX and I didnt see any new items causing it Ive requested proof of what made me loose a XXXX points and I still have not received anything this is a big deal also I had my credit frozen so for it saying a new card account opened four months ago how so its frozen and I received no notification alerting me and I still dont see the new account that supposedly was recently opened

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My XXXX XXXX children have checking accounts, with debit cards, with Chase. Recently, my checking account was closed with a negative balance. After I was released from the hospital, I reached out to ask if the funds in the XXXX XXXX accounts would be used to resolve the balance in my closed account. I was told no. 

For the last week or so, we have tried, unsuccessfully, to access their money. We tried to withdraw it within the transaction limits from an ATM and have even walked into branches to withdraw or close the account with no success at all. These funds are my daughters ' XXXX and XXXX XXXX money. It is getting extremely frustrating that no one seems to know to release these funds to us so my children can have them.

Company response to consumer: Closed with explanation