vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase mobile fraud that they let slip through the cracks without any questions or flags or accountability. 

Chase bank allowed a mobile deposit of a {$6000.00} U.S.Treasury check into an account that did not match the name on the check, address or even state which the check was issued too. The check did not have the correct signature of the original intended recipient ( my name ) OR signature or 3rd party Pay to the order of on the check. 

For context regarding my story, I will share why a {$6000.00} check could even end up in another person 's account unquestioned. 

I had requested a student loan refund check ( which would be written by the U.S. Treasury ) for student loan payments made during the height of the pandemic in XXXX. After requesting my payments be refunded, I had been on the lookout for the approved check payment totaling {$6200.00}. After many follow ups on the checks with the loan company XXXX XXXX XXXX XXXX and XXXX who manage my federal loan ) I finally received a devastating update. The check that I had been calling monthly for about 2 years, assumed to be missing, was in fact cashed. I found out on XX/XX/XXXX, after numerous requests from XXXX and XXXX regarding its where abouts. 2 years of a cashed check, that I had no idea was infact already cashed back in XXXX of XXXX. 

I requested a copy of the check that day, XX/XX/XXXX, to start a fraud investigation. It took until XX/XX/XXXX to get a copy of a redacted check to share with the local police. 

Based on the deposit stamp, a subpoena was sent to JP Morgan Chase which resulted in the deposit account information being provided. 

The account was in the name of a male in XXXX, TX. 

The account was opened on XX/XX/XXXX using a Mississippi Drivers License. 
On XX/XX/XXXX, the U.S. A Treasury check issued to the victim was remotely deposited into the mans checking account which had a balance of {$0.00} at the time. The check amount, {$6200.00}, and the XXXX cent balance were the only funds in the account and there were no transactions until the funds were withdrawn on XX/XX/XXXX, closing the account. Due to the time delay, there is no video. 

The check, issued in XXXX  XXXX, MO, was mailed to the my Florida address, taken from the mail stream and deposited in a XXXX area JP Morgan Chase bank account. 

Now, 2 years later. I have no evidence of who closed the account. I, being located in Florida, would have to travel to XXXX, to try to get a detective to take my case. With the lack of video evidence and mobile deposit leaving far too much room for reasonable doubt of who actually deposited the check, and who closed the account, the chance of my case being picked up is unlikely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have called Comenity Bank @ ( XXXX ) XXXX numerous times since I opened my account on XX/XX/XXXX about how I haven't ever been able to use my card at XXXX XXXX XXXX store or online to make any type of clothing purchase. I either get hung up on by the employee or given any unnecessary excuse to why my card isn't working properly like it should. I have requested for a new card since XX/XX/XXXX that's XXXX years and XXXX months. It has a {$500.00} spending limit on it. I haven't been able to ever use the funds on my card do to the lack of Comenity Bank not holding responsibility on their end as a business. You can see that I haven't ever been able to use the card and it shows on my credit that it hasn't ever been used because the card has never worked since day XXXX! This is unlawful. After not getting anywhere with them they CLOSEED on XX/XX/XXXX after ignoring me for XXXX years and XXXX month of calling and speaking to so many different people. I called this morning and spoke with a male that was extremely disrespectful and he hung up on me. I called back after being hung up on and spoke with a female employee that was very respectful and she stated that there wasn't anything that she could do on her end, she stated I would have to reapply and to contact the CFPB about this matter so I need help about this situation. I did everything correct on my end by calling over and over and over again trying to get a new card that worked. Now my account is closed I am very upset about this situation and this business. I have some of the names of people I have spoke with in the past as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
In accordance with Fair credit reporting act account # XXXX - XXXX XXXX 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.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I opened a checking account with BMO in early XXXX. The bank shared my account # with me which I used to repeatedly try to enroll in their online banking product. 

Upon opening the account I made an initial deposit of USD XXXX through my XXXX Checkings Account ending in XXXX. Since then I have been unable to log in to my bank account. I was unsuccesful in enrolling in online banking using the checking account # & my Social Security Number. I contacted the bank and inquired about this and how to resolve it, but after speaking with the customer rep for more than XXXX mins, I was unable to do so.

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 monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
Dispute of XXXX  Due to Identity Theft ( FCRA 605 ( b ) ) Dear All Credit Reporting Agencies, I am writing to formally dispute the inclusion of a bankruptcy on my credit report. This XXXX  was filed fraudulently in my name without my knowledge or consent and is a result of identity theft. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting its immediate removal from my credit report.

I have enclosed the following documentation : 1. Identity Theft Report : A copy of the FTC Identity Theft Affidavit and/or a police report detailing the fraudulent activity.

2. Proof of Identity : Copies of my government-issued photo identification and a utility bill or bank statement as proof of residency. Under FCRA 605 ( b ), a consumer reporting agenc
y is required to block information resulting from identity theft from appearing on a consumers report within four business days of receiving : 1. Proof of identity, 2. A copy of an identity theft report, 3. Identification of the fraudulent information, and 4. A statement from the consumer affirming the fraud. 

This is my formal request to investigate and remove the XXXX  from my credit file. I also request written confirmation of the results of your investigation and an updated copy of my credit report showing that this fraudulent information has been removed. Failure to comply with FCRA obligations may result in legal action to enforce my rights. 


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 non-monetary relief
Consumer complaint received 2025-01-03 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:
Dispute of XXXX  Due to Identity Theft ( FCRA 605 ( b ) ) Dear All Credit Reporting Agencies, I am writing to formally dispute the inclusion of a XXXX  on my credit report. This XXXX  was filed fraudulently in my name without my knowledge or consent and is a result of identity theft. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting its immediate removal from my credit report. 

I have enclosed the following documentation : 1. Identity Theft Report : A copy of the FTC Identity Theft Affidavit and/or a police report detailing the fraudulent activity.

2. Proof of Identity : Copies of my government-issued photo identification and a utility bill or bank statement as proof of residency.

Under FCRA 605 ( b ), a consumer reporting agency is required to block information resulting from identity theft from appearing on a consumers report within four business days of receiving : 1. Proof of identity, 2. A copy of an identity theft report, 3. Identification of the fraudulent information, and 4. A statement from the consumer affirming the fraud. 

This is my formal request to investigate and remove the XXXX  from my credit file. I also request written confirmation of the results of your investigation and an updated copy of my credit report showing that this fraudulent information has been removed. Failure to comply with FCRA obligations may result in legal action to enforce my rights. 


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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is the only credit agency that has not updated my credit report or score since XX/XX/year>. Ive tried calling several times, but no one will not take my calls. I just keep getting the automated system. I tried several phone numbers and the system will not transfer me to a live agent I have gotten hung up on thru their automated system And I wasnt able to have my credit score updated and Im in the process of buying a home and my lender cant even pull my credit credit score or report because Experian wont allow them to access my credit score and my credit report isnt even locked or anything, but Experian will not update my credit score so therefore I cant get a home loan. I have verified my identity through their verification site by sending in a copy of my passport and a utility bill but my credit score hasnt been updated not even yet and I wasnt still able to get in contact with a live agent over the telephone this is unfortunate and unprofessional

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX. Im providing you with a IRS TRANSCRIPT PROOF That I am the Power of Attorney over my finances and accounts, which serves as and affidavit. I need all accounts zeroed out immediately. They have been taken care of cause I have the XXXX ( XXXX ) thats been approved by the IRS THE DEPARTMENT OF TREASURY! There should be no Corporation ( Dead ) entity reporting on my behalf without my consent! If XXXX, XXXX, TRANSUNION are reporting information on my credit report without my consent they will be sued for defamation of character. I will include : XXXX IRS FORM, My Transcript to prove my POWER OF ATTORNEY ( POA ) on file, XXXX XXXX XXXX, as well my COPYRIGHT ( AFFIDAVIT ) ON PUBLIC RECORDS TO PROVE NO ONE SHOULD USE MY ESTATE NAME WITHOUT MY CONSENT! I want this issue handle in 10 days. Under penalty and perjury they need to rebut affidavit and if not the AFFIDAVIT STANDS AS TRUTH! This will be proof of evidence I will report to the IRS THAT I GAVE XXXX, XXXX, TRANSUNION a fair chance to handle this matter.

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 2025-01-03 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: OH

Complaint narrative:
Hi my name is XXXX XXXX. Im providing you with a IRS TRANSCRIPT PROOF That I am the Power of Attorney over my finances and accounts, which serves as and affidavit. I need all accounts zeroed out immediately. They have been taken care of cause I have the XXXX ( XXXX ) thats been approved by the IRS THE DEPARTMENT OF TREASURY! There should be no Corporation ( Dead ) entity reporting on my behalf without my consent! If XXXX, EQUIFAX, XXXX are reporting information on my credit report without my consent they will be sued for defamation of character. I will include : XXXX IRS FORM, My Transcript to prove my POWER OF ATTORNEY ( POA ) on file, XXXX XXXX XXXX, as well my COPYRIGHT ( AFFIDAVIT ) ON PUBLIC RECORDS TO PROVE NO ONE SHOULD USE MY ESTATE NAME WITHOUT MY CONSENT! I want this issue handle in 10 days. Under penalty and perjury they need to rebut affidavit and if not the AFFIDAVIT STANDS AS TRUTH! This will be proof of evidence I will report to the IRS THAT I GAVE EQUIFAX, XXXX, XXXX a fair chance to handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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