vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My checking account was breached XX/XX/24. I tried to close the account as I opened a new account, but Chase Bank instead " restricted '' the account. XXXX fraudulent transactions of {$4000.00} to {$1000.00} have been charged to the new account with the latest XX/XX/24. I have rejected the transactions and fees charged and have not lost any money because I now monitor the account several times each day. I am disappointed that Chase has inconvenienced me by continuing to charge these transactions to my new account. I am more disappointed that Chase is not trying to stop the theft by having the transactions investigated to stop the thief. From the charges, I have the XXXX  ID # to XXXX, the rental address, a CapitalOne account #, etc. Hopefully the thief could be stopped from attacking me or others! Chase should make the effort to protect its costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING IN MY FILE .THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM IDENTITY THEFT AND DID NOT MAKE THE CHANGE .I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION AND I ASLO HAVVE ENCLOSED COPIES OF FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2024-02-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2024 Dear Credit Reporting companies, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my Consumer report with your bureau. The following item is fraudulent, I have NEVER opened a leasing agreement with Preserve at XXXX XXXX XXXX : {$4600.00} Account # : XXXX REPORTED FOR PAST DUE BALANCE I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted from my Consumer report. Enclosed is additional evidence to support my claim including a police report from the XXXX Police Department and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
There has been an ongoing complaint for an collection account that shouldnt have ever occurred. Recently Ford through out process here identified they would correct the issue by letter. since that has happened my credit score for this account has been altered 3 times and still the information is not correct. im not sure what is going on with Ford and what they are telling the credit bureau. The last letter identified they would do this. Ford Credit is closing the account and will report the account as a Paid Charge Off with a XXXX balance.. and that has not happened and the account shows up and doesnt show up and my score has been adjusted by XXXX points just recently for a dispute resolved code entered on my credit report. this is getting out of hand. Its very upsetting to be continued to be dragged through this process and i feel i have been more then adequately patient. i keep hearing excuses on the behalf of Ford while they drag me through the court process and destroy my credit. I dont understand why this continues to happen? Ive been trying to get a car now for months and this incorrect accounting that has been going on and time frames Ford is stating continues to not happen then i am held responsible and accountable for errors or things Ford doesnt do. i really dont care what reasons the lawyers say. when it comes to me paying my bill i have to pay on time and if i pay late i get a fee, and i have to pay money to get an extension. i could have my car repoed. all these things if im not accountable and responsible to follow through on my end. now Ford seems to be playing with my credit, dragged me to court and now said they will clear my balance finally with the credit bureaus but still havent followed through. this is really unfair business. this is really impacting my life tremendously by informing me wrong and then dragging me through this process because of things Ford doesnt follow through with after they do all these things to drag my life through the dirt. I dont appreciate it! i would like this issue closed and i would like my credit corrected No charge off No balance due. just remove it from my credit so we can all move on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: DE

Complaint narrative:
I had a mortgage with the XXXX XXXX XXXX XXXX. All payments were to be taken out automatically. XXXX failed to take XXXX automatic payment. It affected my credit history with XXXX, Experian and XXXX. At my request, XXXX contacted the XXXX reporting entities and to " make the necessary amendment to your credit profile. '' XXXX complied. Experian and XXXX did not. I initially lost XXXX points over this. It continues to show up on my credit reports from them. No problems with XXXX. They corrected the error.

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 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: IL

Complaint narrative:
I received a call from this company last week, after a long conversation they pushed me into agreeing with a payment option. 

I spoke with legal council, and was advised against making any payment. 

I told them to cancel the payment, they berated me on the phone, told me they wouldn't stop, I demanded all future correspondence be via email ( having not received a single email from them in our 10 days of communication ), they told me they wouldn't respect this request. I was forced to have my bank intervene. 

I've attached a picture of the email I submitted yesterday after the cancel payment attempt call, to the email address provided by the representative XXXX XXXX, XXXX XXXX is the alleged account manager in charge of my record. 

Today, they called me, and called my place of business speaking to the owner of my company and employer. 
To summarize from the previous selection options for complaints : Communications Tactics - They used abusive language along with manipulation tactics to try and sway the conversation in their favor. They repeatedly refused to answer questions without deflecting. 

Written Notification About Debt - I haven't received a single piece of written correspondence as of writing this complaint. I haven't received an invoice, a breakdown of debt owed, nothing. Furthermore, they refuse to use written communication saying " we don't do that here '' and " that's not how we do things '' - per their representative, XXXX XXXX. 

False Statements or Representation - After reviewing the lease they they are referencing, I believe the amount they're asking for is double the amount owed. I can't verify that, as I've received no information detailing debt owed other than a total dollar figure. 

Threatening to Contact Someone or Share Information Improperly - After being notified not to call about this debt, they chose to call my employer, and myself. 

In addition, I had legal representation send a letter to that above email address days ago. I don't believe they ever replied to him, opting to contact me. 

I'm worried they will continue reaching out to friends, colleagues, family, possibly even clients regarding this. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Around XXXX I opened a new credit card with chase for {$5500.00}. On XXXX they allowed my account to get almost to {$7000.00} and i was under the impression my limit was increased because i was able to make purchases without any declining. when i got my statement for that month i saw that i was over the limit and that i have to make a payment for all over the limit balance asap. i called them and they just told me that they allowed the transaction even though my limit wasn't increased and that i need to pay. i was so mad and i did not paid. then i start receiving letters and calls to my job to my cell phone to pay and my credit started to get bad and around XXXX i did an agreement with chase to pay in a monthly basis {$130.00}. in XXXX i paid instead the XXXX the XXXX and then i received an alert from the credit bureaus that the account has been charged off XX/XX/XXXX. 2 days after the due date of the payment. How they are going to charge off an account just 2 days after the due date without any notification and in top of that accept a payment when supposedly an account has been charge off? now they are reporting my account every month late since XXXX when they received every month the payment for {$130.00} as per agreement. now my credit will be jeopardy and I'm in risk of loosing all my good accounts when creditor see this bad remarks from Chase. 
Please i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
CKS PRIME INVESTMENTS LLC is not licensed for collections in the state of Texas therefore they must cease and desist attempts of collections on my 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 explanation
Consumer complaint received 2024-02-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance LLC violated the Automatic Stay from the XX/XX/2024. 

They have no reason to contact me.

This email has cause me stress mental and health issues.

Im suffering in pain now caused by Exeter Finance LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I disputed a total of 3 unauthorized transactions with Chime. I have provided Chime supporting documentation and evidence which demonstrates the 3 transactions are unauthorized transactions. Yet, Chime has not provided credits for the unauthorized transactions. I filed a police report with XXXX Police Department for all 3 unauthorized transactions and provided the police reports to Chime. 

On XX/XX/XXXX, an unauthorized transaction in the amount of {$200.00} was sent via apple pay to phone number : XXXX. 
I contacted the phone number and asked for the money to be sent back to me as it was sent without my permission. I did not receive a response. XXXX XXXX report # XXXX. 

On XX/XX/XXXX, an unauthorized transaction in the amount of {$300.00} was sent via apple pay to phone number : XXXX. 
I contacted the phone number and asked for the money to be sent back to me as it was sent without my permission. The lady who answered the phone refused to send the money back. I reported the unauthorized transaction to Chime however Chime denied the request to credit the funds back to my account. I am requesting for Chime to immediately provide credit for the unauthorized transaction and resolve the claim in my favor as I have provided adequate evidence and will include supporting documentation to the CFPB complaint. XXXX XXXX report # XXXX. 

On XX/XX/XXXX, An unauthorized transaction in the amount of {$300.00} was sent via XXXX to username : $ XXXX. I sent a request to the XXXX user to return the funds and the user declined the request. On the user 's profile the following phone number is stated : XXXX. XXXX XXXX report # XXXX. 

All three unauthorized transactions were deducted from my Chime Checking Account. Thus, I am requesting an immediate credit to my Chime Checking Account for the specified three unauthorized transactions which are detailed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX XXXX, 2024, I submitted an application for a Capital One XXXX. Shortly after submitting the application I received notification from XXXX and XXXX that Capital One pulled my reports. This was expected. An hour later, I received notification from Capital One that more info was needed to process my application, which I promptly submitted. 

On XX/XX/2024 I received an email from Capital One indicating my application was approved, and shortly thereafter I received notifications from XXXX and XXXX that Capital One pulled my credit AGAIN for the same application. I did not authorize a second pull of my credit. If Capital One thought something on my credit had changed in XXXX hours, they could have done a soft pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/24 i sent transunion a letter asking them to verify information claiming to to be reported on my credit report. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things

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 2024-02-23 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: GA

Complaint narrative:
XXXX $ XXXXXXXX XXXX POSTED NEGATIVE HISTORY AND MY ACCOUNT FRAUDLENTLY

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 2024-02-23 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: GA

Complaint narrative:
XXXX $ XXXX XXXX  POSTED NEGATIVE HISTORY AND MY ACCOUNT FRAUDLENTLY

Company response to consumer: Closed with non-monetary relief