vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Request # XXXX Wepay ( Account with Chase ) I'm super frustrated how a XXXX XXXX XXXX company like Wepay holds money, not only that they don't have customer service over the phone and they sent automated emails, they hold money without show u any policy, they don't have restriction policies and they also don't give you specifications of why it happened? 
A new wepay account, no charge backs, no dispute, how do you close the account? 
I thought I was just unlucky, but I realize reading all these comments that I wasn't. They are a simple scam, use your money in the stock market and get something back. THEY ARE THIEVES. At some point their time will come. 
They must be sued and shut down. 
We will go against you in a class action lawsuit because of you many businesses, including mine, are about to lose our houses, cars because of this dirty and malevolent move. Scam. 
How can a country like the United States allow a company to do this type of scam to citizens? 
They are white-collar thieves, damaging not only families, but companies, entrepreneurs. 
How does CHASE allow a reputable company like this to promote this type of thieves? 
Without them still being able to " interfere '', they suggest you receive money for this millionaire scam and then wash your hands I will take this and many more complaints, not only mine but a community hurt and scammed by this great company to the stay of the governed, white house and everything we have at hand as citizens of the United States to end this farce, They are miserable scammers. 
How do you hold money for 120 days to small businesses?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

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 2024-07-11 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: NJ

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 2024-07-11 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: NV

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was scammed by someone who wrote bad checks and I got gift cards, not knowing they were fraudulent. They totaled XXXX XXXX. Filed a complaint with Wells Fargo on XXXX  XX/XX/XXXX. Called Wells Fargo today and they said since I particular in the scam I'm stuck paying.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: VA

Complaint narrative:
Kickoff KIKOFF XXXX XXXX XXXXXXXX Account was never open by me. 
Please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: IN

Complaint narrative:
I submitted a letter addressing a late payment that was erroneously reported on my account, but I have yet to receive any correspondence in response. According to Section 611 ( a ) of the Fair Credit Reporting Act, it explicitly stipulates that a failure to investigate such matters within a 30-day timeframe warrants an immediate update to my credit report. It has now been over 30 days, and I have not witnessed any change in the status of this item. I kindly request the immediate correction of this account, as mandated by law. If this issue is not resolved promptly, I will have no choice but to pursue legal action due to the undue stress and inconvenience this situation has caused 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 non-monetary relief
Consumer complaint received 2024-07-11 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: IN

Complaint narrative:
I submitted a letter addressing a late payment that was erroneously reported on my account, but I have yet to receive any correspondence in response. According to Section 611 ( a ) of the Fair Credit Reporting Act, it explicitly stipulates that a failure to investigate such matters within a 30-day timeframe warrants an immediate update to my credit report. It has now been over 30 days, and I have not witnessed any change in the status of this item. I kindly request the immediate correction of this account, as mandated by law. If this issue is not resolved promptly, I will have no choice but to pursue legal action due to the undue stress and inconvenience this situation has caused 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 2024-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
We received notice from PayPal saying they closed our account and holding almost {$1000.00} until XXXX, XXXX  We contacted them receiving no help We retired and wast the money released

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover has held XXXX of my payments in the last 6 months under review, when asking Discover why I am under review they state that I have XXXX returned payments on my account, when advising Discover that I have never missed a payment and there reviews are taking XXXX business days causing my payments to be returned as i have other auto withdrawals coming out of my account they advised to me there is nothing that they can do. I would like for a supervisor to call me back and explain to me a resolution to this problem as I am graduating to a unsecured account in XXXX weeks and would like a fair review, my payment was made XX/XX/year> and is still not showing in my available credit on my account, payments are only returned when they have waited weeks to take them and other bills have drawn out of my account weeks later and this is affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX  XX/XX/XXXX - Wells Fargo called me - from a Wells Fargo XXXX number. They stated that there was some suspicious activity on my account. They said there was someone in Florida in an apple store trying to make a purchase. I said that is NOT me! They said ok. we will shut that down.. I said " I am not sure how they got my card because my card was hacked on XXXX  and they cancelled my card. '' He said oh .. '' Wells Fargo loaded the new card to your digital wallet. Oh and while we are on this call... they have now tried to make another purchase! '' I said " oh gosh that is definately not me! '' He said " ok we are going to take care of this. Let me transfer you to my co worker '' He did NOT disconnect the call .. he transferred me. Another man got on the phone and said " Hello- I'm XXXX XXXX XXXX Here is my badge number ( I don't remember it ), your report # is XXXX. I am going to get this all stopped and get you going about your day '' He then proceeded to tell me... log into this, put in this code, I will send you a code, enter that. I followed all his directions and then {$190000.00} gone! The number came from WELLS FARGO, the guy sounded so legit. Now... Wells Fargo is not giving my money back. That is ALL our money.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection Account Name : Collection Account at XXXX XXXX under the account number XXXX Credit Card with XXXX XXXX XXXX XXXX  XXXX XXXX under the account number : XXXX A credit card with XXXX  XXXX under the account number : XXXX Installment loan with XXXX XXXX XXXX under the account number : XXXX Installment account XXXX/ XXXX under the Account Number XXXX XXXX Credit Card with XXXX XXXXXXXX under the Account Number : XXXX An auto loan with XXXX XXXX under the Account Number : XXXX XXXX Loan with Regional AC under the account Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-11 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: OR

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-11 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: OR

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My JP Morgan Chase checking account was compromised by a debt card transaction with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and I reported it to JP Morgan Chase and they reversed the charge and then performed an investigation by their fraud team and found that I was liable for the transaction even though I was in another state at the time and that Geographical I authorized the transaction electronically using my debt card and PIN #? 

I contacted XXXX and they have no records on such a transaction and the Back is refusing to honor their cybersecurity fraud reimbursement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase is reporting my credit card 30 days late on XX/XX/year>. That information is incorrect and I have never been 30 day 's late on this account. 
For proof I have attached two documents, the first is my credit card statement from Chase on XX/XX/year> which shows a payment made on XX/XX/year> in a total of {$76.00}. The second document I attached is a copy of my credit report from XXXX showing a 30 day late payment on XX/XX/year>, I have personally marked both documents with a pen so it is easier to find the information relevant to this complaint. Those two documents obviously contradict each other and proves that my payment was not 30 day 's late in XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation