vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
I have reviewed my consumer report, and I noticed that I had two late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint and on dates ( XXXX and XXXX  ). Please investigate and provide proof with a statement showing that these late payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you very much. Please see the screenshot attached

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX automated XXXX XXXX For {$560.00} AND XXXX XXXX XXXX XXXX XXXX For {$1900.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have emailed Chase a police report from where my wallet and identification along with my personal identification information.

I have emailed Chase a copy of the identification theft report.

I have emailed Chase a copy of my power will with my address.confirming it was different from the address the credit card was sent.

I have emailed Chase a copy of my insurance bill to my address. Also a different address from the one they sent the credit card to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the prompt issuance of the remaining balance check of {$170000.00} XXXX  from Bank of America ( BOA ) for a closed account. Account info, name of the business : XXXX XXXX XXXX Account number XXXX XXXX : XXXX This account had been receiving customer payments in succession by the end of XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk XXXX department. However, after providing the necessary customer information, including names, email addresses, and phone numbers, the risk assessment was completed satisfactorily, and the account was returned to an operational status. Subsequently, a change of ownership for the company was processed, transferring from XXXX XXXX to myself, XXXX XXXX. In XX/XX/XXXX, I received a letter from BOA indicating the closure of the account. Then, in XX/XX/XXXX, a XXXX  for {$110000.00} USD was issued to the company, but the subsequent amount of {$170000.00} XXXX remains unpaid. The handling of this matter by BOA has been highly unprofessional for several reasons : The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. Enclosed are the final statement and notice from BOA pertaining to this matter. I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 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 monetary relief
Consumer complaint received 2024-03-09 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: IL

Complaint narrative:
Transunion has inaccurate information on my credit file. I have requested proof where and whom open those accounts there not cooperating.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank, no day wrong for this man they know they wrong they know they wrong didnt give that money up and not that man is gone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: LA

Complaint narrative:
Always confirmed or verified never with the payment history and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NC

Complaint narrative:
I requested that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit file.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: LA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. XXXX Account I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 
opened date : XX/XX/year> balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT.

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 2024-03-10 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: GA

Complaint narrative:
On XX/XX/year>, I created an account with Experian to check my credit report. After successfully creating my account, I logged in to view my credit report. However, Experian stated that I have no credit score to view. This was puzzling to me because I have 47 credit accounts that are paid off and closed, all of which are showing on my Experian credit report. So, why don't I have a credit score?

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 2024-03-09 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: PA

Complaint narrative:
Upon previous submission for previous complaint illegally reported information was requested to be removed from my credit report. Upon request a few requested items where remove upon illegally being reported. However due to the illegally reported items being on my report and the right to opt out 15 usc 6802 not being honored and allowing companies to take a peak at my credit report while the illegally reporting items where reporting I suffered a great deal. I request that {$1000.00} be compensation for each individual inquire that was removed as well as negative impacting Items that were removed. I believe I should be compensated for punitive damages it is because of the illegally reported items that for several years I was unable up obtain a car, purchase a house, get the a credit card approval, a loan or rental stay

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 2024-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I must have been in an account with this bank some time ago with an old employer. Possibly a retirement account. I have a record of a number. Wells Fargo retirement services. Trust number : XXXX They sent me a very small check. we misplaced it and when we found it and went to cash it we were told it was too old. It seemed to have been a check for {$3.00}. A tiny bit of money but i was entitled to it. They never sent another check but they had to know I never cashed it. It was dated. XX/XX/18. Because it was so inconsequental we just didn't bother calling but why should they keep my money? My wife tried to call once but of course they would not speak with her. There was something else as well. A small distributtion of {$2.00}. Not sure if I got that either. 

The check previously mentioned became old and mangeled and we threw it out but after we took down all pertinent info on it to save. This check and anything else I may have been entitled to needs to be reissued. Why did I have to chase after this?? why wasn't another one sent?

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received notification from Citibank NA on XX/XX/2024, in the mail that they were closing all the accounts that I had with them as of XX/XX/2024. I have been a Citigold client for XXXX years and had over {$200000.00} in the accounts. They are closing my checking, including ATM access, savings, and brokerage acct. I have never so much as bounced a check. Consider how difficult it will be to switch all my electronic check payees, autopayees and direct deposit accounts - I dont even know where to begin!! I went to my branch and spoke to the branch manager and he told me there was nothing he could do and legally they did not have to provide a reason and that the branch itself can not find out what the reason is. He said I have been a loyal customer and it is Citibank 's loss. I subsequently found out that my adult children received the same notice.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX Dept of Education Account number : XXXX This account is reporting 120 days late payment. But it showing that I made payment two months in a row. So I didn't receive a 30 days late payment, 60 days or a 90 days late payment that is inaccurate reporting on my credit report. 

XXXX XXXX XXXX Account number : XXXX This account is reporting a 60 day late payment but is showing that I paid the month prior. Which means it not showing a 30 day late payment prior to the 60 day late payment and that is inaccurate reporting on my credit report. 

XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report.

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 and according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report 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.

Equifax really did not reinvestigate they lied on an official document saying they did something they did not do. I have attached the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express stated the they have denied the fraud claiming because the credit card was used to purchase a flight under the same name as mine from XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX 

I have photos of my self and GPS location from my phone proving that was not me. 
In the photo it shows the date and my GPS location is in XXXX. 
Also I have letters from delta

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NC

Complaint narrative:
I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: NC

Complaint narrative:
I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  be removed from my credit file.

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 2024-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my consumer report, and I noticed that I had two late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint and on dates ( XX/XX/ and XXXX  ). Please investigate and provide proof with a statement showing that these late payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you very much. Please see the screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: NC

Complaint narrative:
I recently looked up my credit report on XX/XX/year> and sent letters to Transunion. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I keep calling and emailing of writing complaints about chase Bank not providing me information about any credit cards with balances under my name or social security number. I am a victim of identity theft and Chase has not been helpful proving information. I would like to know if there are any closed credit cards with remaining balances under my name or social.

Chase continues to not respond to these complaints. They are saying they have already responded and that is not true. Chase Bank has not responded to me letting me know if there is a fraudulent credit card with a balance still remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This account was added on my credit report. The rep over the phone told me she couldnt send me anything confirming what I owed or a settlement letter. I paid XXXX to resolve the account and since then added interest on the account and my balance on my credit report shows I owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation