vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 whats the day that I was so devastated that the company Square deactivated my account I had {$770.00} in my account three days before I had to pay my rent. You know XXXX I got up that day went to the store doing my regular errands and I noticed my card is declined from my XXXX which was strange because I wasnt able to transfer anything to my account. All I did was open a savings account open a checking account with square and also waiting for my debit card to get in the mail and then the next day my account was deactivated. Thats very weird thats very scamming thats fraud so the company square need to understand that every other victim that we feel in that moment is wrong that you guys is doing this to small business owner I just opened this company in XX/XX/XXXX was the first day that I started to do business with Square then deactivated on the XXXX so please help me understand Square why did you do this to my account I need to get my money ASAP the 90 days thats what make me really really fishy about this situation because it doesnt take 90 days for you to release somebodys money after investigation doesnt make sense. Help me understand why you deactivated after 28 days of being in business with you still havent got a response email eight times no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/23. I went to a XXXX XXXX made a purchase. store was very busy. After I purchased the items I was driving home and got an alert from chase that someone was trying to take {$1000.00} from an ATM in XXXX XXXX on XXXX XXXX. 
I immediately informed them it was not me using the card because I had just left the store with my purchase. 
I called Chase and they were going to investigate it. They said the money would be put back in 12 hours. The following day the money was in my account. Then it was removed the same day. 20 days later my account was in the red! They deducted the withdrawal on XXXXXXXX XXXX. They removed my money I called the fraud department, and they denied my claim and said their wasn't anything they could do since my pin number was used! They suggested that I wrote the pin # on the card somewhere. I would have never known if thos transition was done if they wouldn't have notified me. The ATM thst the person used has camera 's or video. Also the XXXX XXXX has camera 's on when I was in line and left the store with the people around me. Social security is my only income and they are letting this thief take my money. This is fraud. My card was stolen at some point and I have never given my pin to anyone or family member. I know I'm just an old XXXX but this bank is doing the wrong thing to me. They notified me! They knew it was fraud and have pictures who took my money out of the Atm in XXXX XXXX. Please help me collect my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the documents provided. I am urging the bureau to begin an investigation into these accounts, as they inaccurately portray me as late.

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase closed my debit card while I traveling overseas, blocking dozens of transactions without any legitimate claim. Chase failed to record my new address in the United States, refused to record my new phone number, and when I arrived in the United States, Chase blocked transactions leaving me without any access to my funds. 

When I went to the Chase branch at XXXX XXXX XXXX XXXX XX/XX/2023, despite having my passport, drivers license, and debit card, Chase refused to provide me with access to cash, and also refused to close my account and issue me a cashier 's check for the balance. 

The Branch Manager was abusive, insulting and threatened to call law enforcement even though she was the one breaking the law and was responsible for holding my assets hostage. 

Chase then subsequently blocked my newly issued virtual debit card linked to my XXXX account, blocked my online access, and canceled a physical debit card which was sent to my new address in XXXX, North Carolina. 


So in all Chase has blocked my debit cards XXXX, virtual debit cards XXXX, blocked my online access, and refused to close my account and issue a cashier 's check for the balance. 

In all I have spend XXXX + hours on the phone the Chase, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I would like these inquiries removed off of my account because I did not authorize them to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I made a full payment of all of my loans on XX/XX/2023. I believed at this time it meant that all my loans were paid off, and I checked the website repeatedly over many weeks and the website informed me that the remaining amount due was {$0.00}. Today, on XX/XX/2023 I was sent an email saying I was charged interest on my loans, and when I checked the website, it informed me that I had a " payment reversal '' and that none of my loans had actually been paid off. For me to be informed of this months after believing my payment to be completed, and for me to be charged interest during that time is unacceptable and predatory. If my payment was reversed, I should have been notified of that immediately instead of after EdFinancial could charge me interest.

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

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, XXXX, I was sent a notice that my credit limit was lowered from {$10000.00} to {$500.00}. There was no contact information given, and the reasons given were not justified. They said it was because of my credit score which is XXXX, a Very Good credit score. They also said my payments were too low which was never true, and that I missed a payment over the past year. The latter was true simply due to an oversight on my part, but I have been a customer since XXXX, and I have missed payments on occasion in the past as well. Never was I informed that my credit limit would be so severely restricted. I called to complain, and was told it would be reviewed, but I never received any further information about it, and my credit limit remains {$500.00}. 

Then in XXXX of XXXX, they informed me that my interest rates were going to be raised substantially only due to my credit score, which again is XXXX. My credit score has not changed significantly in years, so there is no reason this should have led to higher interest rates for me. There was again no contact information given on the notice, and when I went to the website customer support, I was told the contact information would be in the email, and they could not help me. 

It is clear, that those who made these decisions do not want to take responsibility because they know they are doing nothing more than scamming long time customers who pay their bills in full and on time. And because I dont use the card very much, I am being punished.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I have been banking with Bank of America , N.A . since XXXX and have had not issues or matters of concern here. My credit account has been never late and without any issues or concerns. I only have one line of credit open with Bank of America, N.A and with no one else. 

On XX/XX/XXXX, Bank of America , N.A . sent me this notice out of the blue saying they are closing my account with no specific reason indicated. ( See attached email notification, I am submitting this complaint to validate this complaint. ) I now want Bank of America , N.A . to directly contract their source of bearing of information and produce such evidence to the Consumer Financial Protection Bureau in their answer and response to me on this forum or panel. No Exception here. I want to know the source name, address, and legal counsel information to support their actions or reason to close a perfect account. 

I don't want to hear due to inactivity when this account has been used in the past 12 months and has an award balance on my account. I want to know what credit bureau reporting agencies reported saying that I am not ethical and I am not paying my obligations or debt. Since, it appears as if your representative informed me over the phone that such credit bureau agencies may have reported something to you when they see that I don't owe Bank of America , N.A . anything.

I want to see the proof coming from such agencies that you believe in to show that I owe someone anything. 

This will most likely cut my tides with Bank of America , N.A . and I can take my business to someone else where I can get the professional service and respect that I should have been getting. 

I want to see proof/paperwork submitted to the Consumer Financial Protection Bureau to validate your reason for doing what you have done.

I want my points award check for around {$500.00} that should be on my account. You owe me and you closing out my account without any notice as if I am not paying my financial obligations when you are the only financial institution that I have an open line of credit with.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
we have a charter program and we are scheduled to fly XXXXXXXX XXXX XXXX. We send the deposit to them and they should revert us all documents needed for the flight. However until now do flight was confirmed and we have asked refund to them. The 2 entity don't send any refund to us until now and they can't even provide any proof of flight. 

We settled total amount of {>= $1,000,000} last XX/XX/XXXX. We want Full refund of the total amount from their account.

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

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-12 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12 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: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/XXXX I noticed an account on my credit report that did not belong to me. I contacted Chime Bank, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, and I could not get information as that I did not have ALL the correct information. My social security number and date of birth were correct, but address and phone number were wrong. I filed a complaint with XXXX, XXXX, and XXXX on XX/XX/2023. I filed a Identity Theft report to XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I received a letter from XXXX stating the credit account belongs to me, despite me not knowing any information or having access to it. I called Chime bank again on XX/XX/2023. Once again since I didn't have the right information aside from XXXX and XXXX, I was not allowed to get any information about the account.

Company response to consumer: Closed with explanation