vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I traveled to XXXX and rented a vehicle from XXXX from XX/XX/23 till XX/XX/23. I took pictures of the vehicle condition report when I picked up the vehicle and when I dropped it off. The vehicle condition reports were signed by both parties and were identical. They did not show any additional damages when the vehicle was dropped off, and the photos I have included show properties of when and where they were taken. The receipt they provided to me was charged an hour later from when I dropped off the vehicle and it did not have my signature authorizing this charge. I was already at the airport checking in for my fight when they charged my account. I also had full coverage from a third-party company that they are affiliated with for which they should have used to recover any such dames instead of charging my Chase credit card. I have tried numerous times to resolve this issue with Chase, but they refuse to honor my documents i provided to them and have sided with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX  a victim of XXXX XXXX  and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know XXXX XXXX  a victim of XXXX XXXX and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an XXXX XXXX XXXX with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened a Chase Freedom card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. Chase did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with Chase the account declined. While I was informed that no payment for fraudulent charges were due, the account reported XXXX, XXXX, and XXXX  days late and accumulated interest. 

Chase charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a XXXX. 

I was powerless against Chase because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. 
I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that Chase agreed to remove the adverse reporting. 

However, I was deceived as Chase never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in Chase policy to remove items ''. I've argued my case before Chase Card member services, Chase credit reporting department and the Chase Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. 

There are no case numbers to show that Chase even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. 


Formal Request- Chase Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Card Member Service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX APT XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX The following personal information is incorrect

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX The following personal information is incorrect

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 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XX/XX/XXXX  I purchased a vehicle from XXXX. As a customer I was treated differently than the rest of other customers. I was denied the right to bring legitimate documents from my local financial bank to secure a loan with ( ACA ) instead XXXX swindle me and used aggressive tactics by insisting that I had to pull my bank statements and check stubs up from there office computer. By doing so it put my credit and identity at high risk. This is a breach of security. Also as a customer I received poor service XXXX failed to honor the warranty that came with the vehicle and also XXXX failed to submit the warranty in the binding contract with the lean holder ( ACA ) and the insurance company. I have had a significant amount of on going i problems within the time frame of the warranty parts was changed on the vehicle that did not fix the issue and also damage was done to the part of the vehicle where XXXX installed the part I told the XXXX service advisor he than denied me the appropriate accommodations with the repairs of the vehicle XXXX then submitted a work order to XXXX XXXX to address the issues with the vehicle I took the car into XXXX XXXX and the only thing they did was replace the key forbe. They did not address the damage or the part installed by XXXX service technician. No one reached out to me this is still a ongoing problem. I have filled a complaint previously to CFPB concerning the electronics/Bluetooth in the vehicle it is to my concern that the vehicle has custom installments done to the vehicle by previous owners which causes the electronics to sync with other controls and function that causes the vehicle to be inoperable at times Due to there Negligence and poor customer service im suffering and seeking impurities damage. These issues left me with a vehicle that I did not take a loan out for I was took advantage of...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
VENMO froze my account without notice for no apparent reason. All my accounts are in good standing. I provided requested information regarding my identity to VENMO, contacted VENMO and attempted to use service to complete a transaction and account remains frozen. VENMO provides no service to consumers except chatbots and an automated phone service. All notices from this company are sent from a no reply email. This company has access to my bank account and credit cards. They have no in-person assistance for consumers and now refuse to close my account, also with no explanation. Every email they send me is NO REPLY and there is no known way to contact anyone to resolve this issue. I no longer want to use this service, I just want to close my account and have my banking information no longer available to this company. There is no way to get a response from the company in regards to any of these issues, no email, nothing other than automated phone system and chatbot. I want to close this account as this company has unfettered access to my financial information and zero accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
XXXX XXXX  a victim of XXXX XXXX please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: AL

Complaint narrative:
I have several fraudulent hard inquiries on my credit report that I need deleted. Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: NC

Complaint narrative:
Systems & Services Technologies recently aquired the Loan from XXXX XXXX XXXX XXXX. During this process I had made payments totally of {$700.00} towards the month of XXXX After the transition I made the final payment of XXXX to satify the loans payment for the month of XXXX. 

Timeline : XX/XX/XXXX : Payment of XXXX processed. 
XX/XX/XXXX : Payment of XXXX processed. 
XX/XX/XXXX : Informed them about the payments not processed ; no response. 
XX/XX/XXXX : Payment of XXXX made. 
XX/XX/XXXX : Emailed again stating payments of XX/XX/XXXX and XXXX not reflecting. 

XXXX XXXX XXXX Complaint Filed : XX/XX/XXXX - No Response. No updates to account. Online Account claims to be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I XXXX a victim of XXXX XXXX  and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know XXXX XXXX  a XXXX XXXX XXXX  theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2023-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have paid my full balance on my XXXX XXXXXXXX XXXX to Westlake Portfolio Management, but now they are saying I owe XXXX XXXX XXXX XXXX dollars more. I ask for an the balance of what I own and they tell me it is in my contract. My contract does not have this information, I asked for my title to the XXXX XXXXXXXX XXXX but they want to extort more money out of me. Westlake Portfolio Management is an racketeering company praying on the old, and poor victims,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: SC

Complaint narrative:
Charge offs are being reported onto my consumer report. Charge offs are a certificate of indebtedness which is income and is violation. 

The Privacy Act of 1974. 
My privacy has been violated a multitude of times because no authorization was ever given.

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 2023-12-28 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: SC

Complaint narrative:
Charge offs are being reported onto my consumer report. Charge offs are a certificate of indebtedness which is income and is violation. 

The Privacy Act of 1974. 
My privacy has been violated a multitude of times because no authorization was ever given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
XXXX, Experian, and XXXX have violated my consumer rights under the fair credit reporting act, also known as 15 USC 1681 by publishing these negative items on my report without my written consent. Under permissible purposes 15 USC 1681b ( 2 ) and breach of privacy in which congress set forth for the credit reporting agencies as they are to exercise their great responsibilities with fairness impartiality and to respect the privacy that of the consumer. 

Not only these credit reporting agencies, but these creditors of the negative accounts have also violated these laws as well as also the fair debt collection practices act also know as 15 USC 1692. As they are prohibited to communicate with any third party pursuant to 1692c ( b ). As these negatives on my report are a harm to my reputation and character by defamation. 

Letters were sent certified mail with receipt to these companies on XX/XX/2023. One was received as refused ( XXXX, XXXX ) and still waiting to receive the other ( XXXX XXXX XXXX XXXX ) and its been past 30 days. 

30 days has passed which by law they must respond within that time frame long with the negative items deleted. Not only is XXXX, XXXX in violation of the law to which they were notified about complaint filing as well as process of litigation to seek relief and remedy pursuant the 15 USC 1681n under the fair credit reporting act and remedy and relief under 15 USC 1692k, they and the consumer reporting agencies neglected to respond and make those changes pursuant to 15 USC 1681o as they neglected to respond which further remedy and relief shall be pursued for punitive damages. 

There are also a few other violations that these companies have made that can be provided for further evidence if needed.

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 2023-12-28 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: DE

Complaint narrative:
Fraudulent information reporting to my credit report. FTC submitted requesting validation verification, & removal to the companies following investigation. Accounts were not validated nor verified. According to the FDCPA & FCRA everything reporting to my credit file must be 100 percent accurate across all reports. Inquires connected to the accounts were removed however not accounts.

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 2023-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I requested a quote for auto and home insurance from USAA. I never accepted the quote or became a customer. Today, XX/XX/XXXX, I received a letter from USAA detailing their " privacy promise '' and that they maintain information about me for internal and 3rd party use. I called to ask why and to have my information removed as I have never been a customer. I was told my information would be " restricted, '' but it would not be removed. 
Having been a victim of identity theft and loss of personal information through employers and entities I did business with, I see no reason for USAA to maintain ANY information about be, particularly seeing as I have never become a customer. I want my personal information removed from USAA 's system yet they refuse to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Checking account had fraud so I was stated to put money and automatic deposit to a savings while they investigated the fraud they determined it was me knowing they have the fraudulent deposits to my account so they forced closed that checking account and took {$4000.00} from my savings to cover the so called fraudulent activity and basically blamed 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 explanation
Consumer complaint received 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.

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