vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am a senior that has been bamboozled by Amazon and Amazon Chase Visa. I obtained a Chase Visa card in XXXX ending in XXXX. I cancelled it in XXXX and ripped up the card. I had not used Amazon for a while. I used in XXXX and accepted the " bait and switch '' offer for Amazon Prime. I would get 1 month of it for free. Amazon kept changing my default credit card without my authorization for purchases and claimed I opened XXXX accounts. Amazon Chase Visa did not give me a free month of video- they charged my XXXX XXXX  {$8.00} on XXXX after not allowing me to sign up for the annual membership when my free month ran out. Amazon Chase Visa set up recurring payments so they could help themselves to my money after totally confusing me. 
I purchased products on Amazon and put them on my XXXX XXXX XXXX. Amazon Chase Visa switched the payment to the Chase Visa Card without my permission. When I discovered what they were doing, I again cancelled the Chase Visa Card and told them to not issue any more cards. They issued another card without telling me. That ended in XXXX. After making more purchases on Amazon, the charges went on another Amazon Chase Visa new card ending in XXXX. The representatives at Amazon and Chase Visa asked me for my social security number and it ended on the Dark Web on XXXX where I had to freeze my account and issue fraud alerts to all three credit reporting agencies. 
I was charged 3 times. {$8.00} on XXXX XXXX with recurring charges. Amazon then charged the Chase Visa account {$15.00} on their card for 1 month. I had ordered an annual service but they lied about that. I was charged {$140.00} after being told an annual membership was {$130.00}. They charged my XXXX XXXX XXXX. Then I purchased more products and unbeknownst to me, they used another Chase Visa Card they set up as my default Credit Card on Amazon ending in XXXX but lied about it. I called Chase Visa and Amazon and the people who lied to me were : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. If they refused to cancel the cards, they hung up on me. They shut down my online account where I could not see the charges. I received a bill in the mail for {$63.00}. They put more charges on another Chase Visa card for {$47.00} withtout my authorization as I had set up the default credit card to my XXXX XXXX XXXX. 

I want them to give me a credit for all charges for the bad business practices. 

Investigate and hold them accountable for unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
cfpb - Some of these complaint questions did not apply though could not continue until I choose a non related answer. 
Here are the bullet points of what is happening since origination of this loan : XXXX. A {$120.00} fee hidden " embedded '' in closing docs - They refused to remove until my Escrow agent got involved. 
XXXX. Their employee XXXX sent an email to me with other customers 1098 tax forms. They said it was a mistake and just delete... 
XXXX. Mailed ( XX/XX/year> ) payment as usual and on ( XX/XX/year> ) received an email showing I had not paid my ( XX/XX/year> ) payment. Sent proof Ck # XXXX ( XX/XX/year> ) cleared ( XX/XX/year> ). Again, they said " it was a mistake. '' 4. Mailed ( XX/XX/year> ) payment Ck # XXXX dated ( XX/XX/year> ) earlier to avoid above # XXXX including a large note showing NOT to cash the check before ( XX/XX/year> ). They ignored and cashed Ck # XXXX on ( XX/XX/year> ) which caused an NSF fee. 
XXXX. Received a call from a XXXX at XXXX XXXX stating he is in their Legal depart and asked for my verbal password. XXXX at XXXX says he is a third party vendor, not from Legal. So I asked why did he lie? Also asked her to change my verbal password and she would not wanted to send me back to this third party vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MS

Complaint narrative:
I do not have this on my other credit report I have sent Transunion a police report an a letter from bankruptcy several times requesting this be remove from my credit XXXX nor XXXX do not have to on my report just Transunion an I just want it remove as soon as possible

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 2024-09-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
CURRENT LOAN SUMMARY CURRENT LOAN BALANCE : {$15000.00} INITIAL LOAN AMOUNT : {$36000.00} APR : 15.97 % PAYMENT SCHEDULE NEXT PAYMENT : {$790.00} Auto-Pay on XX/XX/2024 LAST PAYMENT : {$790.00} Auto-Pay on XX/XX/2024 This is from XXXX XXXX. We have tried for two years to talk to someone. We cant. Even emails go unanswered and now the phone is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened an account with Citi bank a few days ago and they claim that Ive violated the terms of my account but I havent used it since I opened it. I dont even have my debit card yet and they wont give me a reason why its closed

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 2024-09-14 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: FL

Complaint narrative:
Complaint for CFPB Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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 explanation
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
There are new hard inquiries showing on my credit profile that I did not initiate or give my consent to. Those inquiries include but are not limited to the following companies. 


XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MD

Complaint narrative:
There is a medical collection on my credit report I do not recognize. I have requested several times for it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized accounts/information. These discrepancies have significantly impacted my financial well-being and credit health.

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 2024-09-14 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: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-09-14 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: NY

Complaint narrative:
Experian credit reporting company i sent them multiple times to have them removed three accounts i sent them proof and i showed them the laws the debt collection company and XXXX XXXX XXXX are violated to this day they say you need to connect the debt collection company i did contact and they dont give me the right information i ask themXX/XX/XXXX to show me a signed contract that i need to pay them money in which they dont have so if they dont have they must remove from my report no evidence no pay they are violating 15 us-code 1692c 15 us-1692g 15us-1681e ( b ) 15 us-code 1635 15 us-code 1692g they are in violation of five us code violation mcu is posting a account that is 7 years too old

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XXXX XXXX I file a dispute with both XXXX and XXXX credit agency to have Santander Consumer USA removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to Santander Consumer USA and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted XXXX and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
EXTREMELY URGENT! 


I opened my Upgrade Savings account on XX/XX/year> and deposited {$50000.00} on XX/XX/year>. The account accumulated interest and I received a referral credit on XX/XX/year>. On XX/XX/year>, I filed a wire request online in the amount of {$50000.00} to be sent to my own account at a different bank. 

The wire was never sent out, and my account was suspended on XX/XX/year>. I no longer have access to my own money. Upgrade refuses to tell me why my account was suspended and when I will have access to my money. 

Further details are provided in Exhibits XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
There are new hard inquiries showing on my credit profile that I did not initiate or give my consent to. Those inquiries include but are not limited to the following companies. 


XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt XXXX from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXE constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXXXXXX XXXX XXXX XXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation