vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Multiple instances of suspicious or fraudulent activity on my account that Chase never alerted me about. 

On XX/XX/year>, I tried to make four transactions that were all denied. I called Chase who informed me that they were denied for being suspicious activity. I asked why hadn't Chase alerted me ( as they have done historically ) that the charges were denied because they were suspicious. They acknowledged the failure on their part, but could not explain the failure.

In the course of that conversation we started talking about authorized users on my account. They mentioned my mother, who is not an authorized user. They then revealed that on XX/XX/year>, Chase customer service spoke to me ( it wasn't me, it was fraudulent ) who authorized my mother on the account. Chase acknowledged that they were going to ship her a card but it was flagged on their end as being suspicious because the address did not match either my or my mother 's address. I asked why I hadn't been alerted about this fraudulent/suspicious activity. Again, they acknowledged that I should have been alerted, but could not explain why they failed to alert me.

They also asked me my verbal password. I had never setup a verbal password with Chase and didn't know what they were talking about. They let me know the verbal password was setup on XX/XX/year>, when my mother was fraudulently added as an authorized user to my account. So Chase allowed a scam artist to setup a new password on my account, and never alerted me to the change either. They could not explain this failure, but acknowledges that I should have been alerted to these changes on my account.

In total I have spoke to five different representatives from customer service, fraud, and customer protection. No one can explain why they repeatedly failed to alert me to suspicious and fraudulent activity on my account. No one can explain to me how their customer service was scammed into adding someone to my account without my authorization. No one can explain to me why some scammer was allowed to add a password to my account. I would never have discovered any of this if I hadn't called Chase myself and accidentally stumbled into learning about it. This is egregious and Chase 's fraud department and security practices need serious overhaul. They do not take alerting their customers to suspicious or fraudulent activity seriously, and they should be embarrassed that their customer service personal are so easily dupped that they let scam artists create passwords for accounts that are not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MN

Complaint narrative:
These accounts are unauthorized and don't belong to me. Please remove from my credit report.

1. Account Name : XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX Account Number : XXXX Creditor : XXXX Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Incorrect Personal Information XXXX. Incorrect Employment : XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/year> logged into my account and noticed an assessed {$3.00} fee. Should not be assessed based on my account balance being greater than the {$500.00} required to remove the fee. When I chatted, the customer service representative, named XXXX, was beyond incompetent in answering my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I MADE SOME PURCHASES THROUGH CAPITAL ONE WHICH WAS GIVING CASHBACK AND CONTAINED MANY PROMOTIONS, I MADE SOME PURCHASES AND FOR THE RESTATE IT WOULD BE THROUGH GIFT CARD, ON THE DATE SCHEDULED TO REDEEM THE GIFT CARD, I WAS NOT ABLE TO MAKE IT. I CONTACTED CAPITAL ONE FOR ADVICE AND THEY SAID MY ACCOUNT WAS BEING CLOSED DUE TO THE REASONS BELOW : We regret to inform you that your Capital One Shopping account has been terminated. We retain the right to terminate your account for any of the reasons described in our terms of service. Termination commonly occurs for one of the following reasons : A user attempted to obtain referral-based Shopping Rewards based on creation of duplicate accounts, fraud, or through other impermissible means outlined in our terms of service A user used Capital One Shopping in a manner consistent with the reselling of goods or services A user attempted to redeem Shopping Rewards for which they were not eligible A user engaged in other impermissible activity outlined in our terms of service.

THE BONUS PURCHASE FROM XXXX XXXX XXXX XXXXXXXX WAS BONUS 2X, WHICH WAS NOT MY ERROR, BUT THE SYSTEM 'S. I SENT ANOTHER EMAIL ASKING THEM TO RE-EVAL
UATE AND THEY COULD DISCLASSIFY THE PURCHASE WHICH WAS 2X BONUS, WITHOUT ANY PROBLEM, BUT I WOULD LIKE TO AT LEAST OBTAIN THE GIFT CARD FROM ANOTHERS PURCHASES, AS I HAD MADE OTHER PURCHASES SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX AND OTHER THINGS, SO THEY RETURNED MY EMAIL SAYING THAT THERE WAS NOTHING THAT CAN BE DONE AND THAT MY ACCOUNT WILL REMAIN CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My complaint is with Zelle. 
I met XXXX and XXXX  at the end in XXXX. In XX/XX/year>, XXXX, XXXX said that they do credit repair and also help with taxes and they were just a financial company in general. I paid for a credit repair service which I was told take up to 6 months and before the service was even started. I was asked to double the payment of {$600.00} before they could even begin, I said if you arent able to give me the service that I was paying for then refund the money. If the price is double, then you should say that the price is {$1200.00}, dont put the price for cheaper than what it is and then after someone pays, say oh you actually have to pay double, thats not how this is going to go. Thats straight fraud. If you cant help me fix my credit just say that. Not right after you get my social security number and ID. Not only was the money given, but they also asked for my personal information. social, address, birthdate, ID. Before anything even started the representative stated we cant do it unless you pay extra like that that doesnt even make sense. Yes this was all in the same day, same hour, same phone call. I asked for a refund the very day it happened. When I disputed it with my bank XXXX, they said Zelle doesnt give out refunds. I asked if I could send a police report or anything to prove it was a scam, and the XXXX representative said even if its fraud, Zelle does not reverse transactions. I thinks thats beyond messed up because Zelle is automatically integrated into our bank accounts. Thats literally the only way you can send money through the bank unless you send a wire. Zelle needs to be an option, not mandatory for every account. Every single one of my bank accounts use Zelle to send money which includes XXXX XXXX XXXX and XXXX. If Zelle allows fraud and scams, they need to have an OPT-out option and lets the banks figure out a more direct way to send funds from bank to bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-02 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: TX

Complaint narrative:
On XX/XX/year> I received a letter from my credit card company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that my credit limit had been reduced to {$2500.00}. The reason stated was possibly the " number of recent inquiries as reported by an agency '' " bureau reports past or present delinquency '' and " number of revolving accts as reported by the agency. '' I made an immediate phone call to XXXX and reminded the representative that I make all my payments in advance and always much more than the minimum. I own no other cards. I was instructed by XXXX to contact a credit bureau known as Transunion. A representative from Transunion stated " charges pending '' on at least two accts -- XXXX XXXX and XXXX XXXX. I do not have any association with those companies, much less a card. The only credit card I have is a XXXX XXXX  that I have always been in good standing with. I believe some Identity fraud has taken place. My credit report has been damaged because of fraudulent association with companies I have no association with. Thanks for your help.

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 2025-01-02 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
This reflect complaint about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor XXXX has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and XXXX have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( FCCPA ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims. 
XXXX. Misleading Account Information The amounts listed on my credit report dont match the figures provided by XXXX XXXX which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXX, XXXX & XXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
This reflect complaint about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor XXXX has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and XXXX have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( XXXX ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims. 
XXXX. Misleading Account Information The amounts listed on my credit report dont match the figures provided by XXXX XXXX which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXX, XXXX & XXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Alpine Credit, Inc
State: CO

Complaint narrative:
I have sent this company a letter to validate this account. Which has been over XXXX days now and I still have not received a response. The account appears to be over XXXX XXXX XXXX, so it should not be reporting on my credit anyways, Also I do not recognize what this account is. 

Ive attached the letter that was sent to them in XXXX as well as the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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