vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was with JP Morgan Chase Bank since XXXX. I have multiple accounts with Chase bank, including a savings, money market, my XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX where she receives my fathers XXXX VA benefits. I have direct deposit from my employer go to this account and am not overdrawn or having excessive ( more than 1 in an 12 month span ) overdraft fees. Suddenly, on XX/XX/XXXX I received a text from Chase Fraud saying they needed more information about 4 of my accounts, or they might be closed. Within 2 minutes of receiving the text I called the number from my mobile app and was instructed my primary debit card was closed. I immediately drove 10 minutes down the road to a local Chase branch where I was told they simply needed to verify my identity, then they informed me my accounts were all restricted and would be closed within 10 business days, and I was not allowed access to my funds at all. I asked multiple times why my accounts were being closed, with no answer whatsoever. I spoke to multiple people, including a XXXX in Texas, XXXX in branch complaints and have been told I will Never get answer. I was told my direct deposit would be returned the next day to my employer, it was not returned, but they refused payments on multiple accounts that were on automatic withdrawal, while funds were still in the account. They refused to grant me access to my funds. They finally allowed my mother to get her funds, but did not allow my son to access his funds when he is away at college more than XXXX miles away with no access to money. They refused to give me a tracking number on the checks they supposedly sent, they cant even give me a timeframe of when I should receive them past 7 business days. Im being treated like Im a criminal when I have done nothing wrong. When I have asked repeatedly what happened, if there was fraud on the account, if there was cause on their part, when I asked if it had to do with the hack that happened with XXXX XXXX XXXX  the month prior, I was stonewalled and told I will Never be told the reason for the closure and they dont ever have to provide a reason. I believe this is is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has inaccurate information listed on 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 explanation
Consumer complaint received 2024-05-09 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: MA

Complaint narrative:
Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LASTLY INCORRECT PERSONAL INFORMATION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The creditor has violated my rights under15 USC 1681sec 602 and sec. 604 ( a ) section2.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Someone used my Capital One credit card account without my permission to purchase a XXXX purchases. Contact Capital One 15 times about this matter and they refused to resolve this situation. The reason why Capital One refuses to credit fraud on this dispute is because the transaction had was made with the exact Address from my Capital One account. Capital one never sent me any documents asking for more information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. * **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. * **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt. * Verify and validate the debt with documentation. * Remove any inaccurate information about this debt from your records. I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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 am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-09 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 am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and saw a account reporting that I do not recognize. 

XXXX XXXX XXXX opened XXXX XXXX with no data available. Account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
I recently checked my credit report and saw a account reporting that I do not recognize. 

XXXX XXXX XXXX opened XXXX XXXX with no data available. Account # 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I did not have any kind of cable service in 2021 with this company. If this debt was bought from the original debtor then this account is too old to be on my credit report as I did not sign any forms nor verified this is my debt. Please provide proof that I in fact open an account with you. If no proof is provided remove from my credit report effective immediately

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 2024-05-09 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: TN

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 U.S.C 1618. 

Account Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S. C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know 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 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I received a text from XXXX XXXX stating I have a collection account derogatory, which was put on my credit profile credit account XX/XX/2024 that the account is XXXX XXXX  months old.However I never had account with this company at XXXX my credit report ( this is fraudulent ) Ive contacted XXXX XXXX and told them this is ( fraud ) account. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently maintained prompt payments on this account, preventing any instances of overdue bills. However, I'm puzzled by the presence of late payment notifications on my records. According to 15 USC 1666b - Billing Error, this discrepancy should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2024 I was supposed to receive my Federal Tax Refund of {$3500.00} from my Navy Federal Checking Account. 
XXXX XXXX XXXX Took my ENTIRE Federal Tax Refund without ANY Written consent or warning. I was caught off guard and I would have Settled this Old Debt if it was handed differently. 
I asked Navy Federal to close my Account because at this point they are just XXXX Thieves. They Literally LOCKED ME OUT OF MY ACCOUNT AND SENT ME A CHECK FOR {$5.00}. They are missing the {$3500.00} TAX REFUND CHECK THEY TOOK FROM MY LIFE! I am a Tax paying Citizen and THEY NEVER GAVE me ANY NOTICE that they was taking my ENTIRE TAX RETURN. I just lost my job a week prior. I had NO phone call, email, or ANYTHING in writing saying they were collecting a Debt from a Credit Card closed over a year ago! 
I believe they are OTHER VICTIMS! 
When I called Navy Federal they told me that this is Internal and that I should contact XXXX XXXX XXXX. I called the company and it just rang out. XXXX XXXX XXXX has collected a debt I believe illegally. The credit card I had from Navy Federal has been Closed for over a year. 
I also have had money in and out of the account that they didnt touch. This has ruined me financially recently. I Need my {$3500.00} back!! Navy Federal AND XXXX XXXX XXXX havent sent ANYTHING in writing to let me know they were collecting a Debt. And I am Locked out of my Navy Federal Account. 
I believe they are XXXX and I would NEVER recommend them to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Lawsuit settlement do to chime banking errors delay payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: WI

Complaint narrative:
I disagree with the account listed below which still appears to be on my consumer report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ). In accordance with The Fair credit reporting act, public law 91-506, title VI, section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please send me an updated copy of my consumer report after the reinvestigation.

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 2024-05-09 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:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-09 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Managed Recovery Systems, Inc.
State: SC

Complaint narrative:
I am being charged {$2300.00} for a XXXX XXXX a car establishment that I have never made. This is a result of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation