vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : * 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 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : * XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX 3. Contact Numbers : Please remove all phone numbers except for ( XXXX ) XXXX. The numbers to be removed include : * ( XXXX ) XXXX * ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : * XXXX XXXX XXXX XXXX, IA XXXX * XXXX XXXX XXXX XXXX XXXX OK XXXX * XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors.

Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, 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 2023-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: OH

Complaint narrative:
1. ) The KEY bank does not allow ACH transfer to be set up with a competitive bank. 
2. ) The KEY bank falsifies its interest payment when there are no interest payments made on the account. 
3. ) The KEY bank holds back payments of bills for a long period of time and at the same time depletes the amounts from the account.

4. ) When questioned why bill pay was not executed for over 15 days ; it comes up with various excuses and delays due to postal services etc.

5. Then they cancel the payment and for that i have to wait for 10 more days to get my money back. A total of 25 to 30 days to get my money back from the time i paid a bill?

I BELIEVE THE KEY BANK IS DISCRIMINATING AGAIST A MONORITY AND SENIOR PERSON. IT ALLOWS ACH TRANSACTIONS SET UP WITH SOME BANKS AND NOT WITH OTHERS --?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In felony retaliation for me filing a previous complaint with the Bureau for mishandling a violent fraud incident, Chase is now maliciously withholding a government deposit - as if they think that the federal government will now default on its checks. Clearly, the only customers that JPMorgan honors money from is if youre a XXXX - as long as you have a last name ending in XXXX. JPMorgan needs to quit stealing money from the working poor to fund covering up their part in XXXX XXXX by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TX

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents

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 2023-06-12 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: FL

Complaint narrative:
Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a Chase credit card in the mail I did not apply for on XX/XX/2023. I checked my XXXX account and saw there was a credit report ran by Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX to ask if the credit line was active and was told not only was it active but there were already charges on the card although I had just gotten it and it was still attached to the mailed paper. I believe the charges were from something XXXX and a XXXX XXXX. After explaining this, the card was going to be frozen and I then called XXXX to file a report. I called immediately after also on XX/XX/XXXX were an official report was done after being transferred to a specialist for the inquiry. Now I am waiting to file a police report and finishing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXXXXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 


Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX New York XXXX Sincerely, 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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 GS BANK-GM Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank offered a very generous promotion that stated by opening a business checking account and leaving a minimum of {$3000.00} in the account for 60 days, that they would pay out a bonus of {$500.00}. This was a ploy to then illegally charge those accounts for an account that was advertised as a free account, meaning no fees. Despite the fact that me and my associates all selected electronic statements when opening the account, US Bank defaulted all accounts to paper statements, without any notice on the promotion or while opening the account. This default not only caused my account to be illegally charged a monthly fee for paper statements, but then disqualified my account for the bonus they promised. This was done by design, and without any remorse as proven by the fact that they happily reversed the monthly fee, while stating to me that it was not disclosed anywhere, and then refused to honor the {$500.00} bonus with the excuse that my account fell below the {$3000.00} minimum when they illegally charged my account for the monthly fee. This goes to misleading and deceptive sales practices which was further perpetuated by US Bank then stating that only a branch manager could solve the problem causing me to drive to a branch that I had never been to, to only be told by that manager that he would have to call the same number I did and would most likely not get anywhere with them.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, 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.

The letters are stated with items and issues. 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, 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:
Experian is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which Experian and XXXX have on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
In XX/XX/2023, my chime banck account was hacked. as soon as my money was deposited into my account the hacker kicked me out immediatelyof my account by changing all my personal information for months i have been filing disputes with chime and they keep deniying. the amount stolen was XXXX im on a fixed income unemployed and that inccident has ruined my entire life in every way possible. im atleast a month behind or more on all my bills i have had to take extra loans out to get by i just was evicted with no where to go just waiting to be served. few months before that i started getting notices of being in data breaches i think i have five or six so far still researching. i hhave no clue what to do im a single mom of XXXX and just was barly getting by and clueless to even learn about accounts being hacked or data breaches or anything of sort i have plenty of emails back n fourth with chime the notices of data breaches etc. im lossing my mind seriously from this i cant eat or sleep or leave my house please can someone atleast help me find the right help and steps to take whatever will help me i will go find the emails and notices andd print everything and if someone reaches out ishould have everything together to send best way to reach me is emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCD Financial, LLC
State: AR

Complaint narrative:
Since XXXX XXXX XXXX NCD Financial has been reporting account XXXX onto my credit without any explanation. i first noticed on XXXX of XXXX that I had acquired missed payments on my experian credit report for an account I am not familiar with. I reached out to the Company about possibly being a victim of identity theft and they did an investigation but continues to leave the account open in my name. NCD Financial does not even collect on the reported amount. I have not received any communication from the company by mail, phone or email. I don't know what to do to have this issue resolved, it has prevented me from getting approved for a car. I would like for a fraudulent investigation done on the reported account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/XXXX i contacted XXXX XXXX. out of XXXX XXXX to provide me with XXXX  dollar loan. they did send me XXXX that night and my flip phone indicated i had XXXX extra in my account. my available balance said i had XXXX plus i my small balance. the scammers said that money was theres and i had to return it to them if i tried to keep it, they would contact the local police dept. and have me arrested for attempted fraud charges. so i asked how to return it and they mentioned i had to buy gift cards. i knew buying gift cards was a flag, but the money was in my account and the bank said it was available. so i did it. long story short, the bank showed me three checks, XXXX and XXXX pay to the order of XXXX XXXX XXXX and was endorsed by XXXX XXXX, not my legal financial name. i told the bank that the person sending the bank those 3 checks were commiting fraud because those checks were not mine, nor endorsed by me. the bank said that didnt matter, ouch! in todays modern computer technolgy signature endorsements did not matter. double ouch, a new on me.

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