vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX i realized i made an over payment of {$2000.00} on my Bank of America credit card. I called to ask for a refund. They processed it, added the balance back to my credit card however i still have not received my refund. I called on XX/XX/XXXX to get an update on the refund and was told it could take 30 days and up to 90 days for me to receive my refund. 

According to the Consumer Financial Protection Bureau ( CFPB ) regulations, a consumer finance violation regarding refund timeframes could occur if a company takes significantly longer than seven business days to issue a refund after receiving a written request from a consumer. 

Deliberately delaying refunds beyond a reasonable timeframe could be considered an unfair, deceptive, or abusive practice under the Consumer Financial Protection Act. 

I am in need of my refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: AZ

Complaint narrative:
Hello, I recently summited a complaint to fraudulent accounts under my name and I placed a fraud alert. There were several accounts by XXXX  XXXX that were opened fraudulent. This letter is to emphasize on the account opened XX/XX/scrub>XXXX XXXX XXXX  for {$1000.00} credit. This account is still showing on my consumer report. Please remove this fraudulent account. XXXX XXXXXXXX ( XXXX ) for {$1000.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal is using Synchrony bank to provide their PayPal XXXX XXXX credit card. The card is charging me 34 % or more for interest which is usury. XXXX is prohibited by law. The card ends in XXXX. 

Also when they replace a card they don't keep the historical transactions for the old card. 

PayPal XXXX XXXX interest rate is 34 % which is usury. I asked them to close the account ending in XXXX and I plan on paying off the balance and never using it again. 
My current balance is {$1100.00}. 

I was charged {$31.00} in XX/XX/year> for a balance of {$1200.00}. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX # : ~ : text= ( XXXX ) % XXXX % XXXX % XXXX % XXXX, or % XXXX % XXXX % XXXX % XXXX. 

The maximum interest rate for a loan in Florida is 18 % per year, unless otherwise specified by contract or statute. This is known as the usury limit, and any contract that exceeds this rate is considered usurious. 
There are some exceptions to the 18 % usury limit, including : Loans, advances, or lines of credit over {$500000.00} Sales of bonds in excess of {$100.00} and mortgages securing the same Money loaned on bonds Lenders who charge interest rates above the legal limit may face civil and criminal penalties, including : Forfeiture of interest The lender can only recover the principal loaned The lender can not enforce the debt in Florida The maximum interest rate does not apply to national banks, pawnbrokers, or small loan companies.

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 2024-12-10 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed a FTC report. The inquiries are 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 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 2024-12-10 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX has sold my information to a debt collector without my permission. XXXX XXXX  is still attempting to collect the debt from me along with the debt collector it sold the debt to, NCB Management. Both are being reported with the credit bureaus. XXXX has written off the debt and has failed to provide me with the 1099-C. The debt has exceeded the statutory of limitations of over 7 years. This goes against the Fair Reporting Act and is a violation of my consumer rights and should be removed immediately from all three credit bureaus reporting, due to improper and inaccurate reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2024-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a court order from XXXX XXXX surrogate court to gain access to my grandfathers safe deposit box in XX/XX/year>. HSBC now XXXX XXXX, did not honor the order. They ignored the order. As well as a POA I had for my grandmother. HSBC employees took the death certificate and did not honor the POA. Consequently, my grandmothers nephew somehow has his name on my grandfathers account. I believe fraud is involved because my grandmother recently passed away and the nephew did not inform anyone who cared including her church of over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, a purchase was made totaling {$3100.00} using my Chase Freedom card at XXXX XXXX XXXX. On XX/XX/XXXX around XXXX, my products were delivered. These products were a power base and a mattress. Right around first usage of the power base, I began noticing a chemical/burning smell coming from the power base. When I lifted it up, I noticed that the motor was melting the plastic that was covering it. I immediately contacted the merchant within their required 48 hour time period, and notified them of this. Their response was that I had to contact the manufacturer to resolve this issue. Seeing their unwillingness to resolve my issue, I contacted the manufacturer, but they informed me what I already knew, the issue was with the merchant and should be resolved by them. I discarded all electrical components of the power base and contacted Chase on XX/XX/XXXX to initiate a dispute. The dispute was initiated, and I provided them all relevant images and information. On XX/XX/XXXX, Chase contacted me saying they needed more information. One agent informed me that he would rebuttal my case before he ended the call unexpectedly. When I connected to another agent, they said that they could not proceed with this case since I discarded the product, although I stated multiple times that only the electrical components were discarded due to the hazardous context of the situation. I believe this is unfair discrimination by two large corporations, and I would like to see this issue resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
Set up a payment plan in XXXX of 2023 and submitted a few payments but my credit report was never updated to a positive standing. They collected money from me but kept the balance at the same amount. So this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  EQUIFAX : XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX THIS IS NOT MINE, THIS IS FRAUDELENT i, am a victim of identity and my information was exposed in the data breach. you have to remove all these inquiries don't turn my disputed into a day dispute under section 605b this needs to be removed within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX NY XXXX Inquiries in Dispute : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally express my concern regarding unauthorized charges that have appeared on my debit card and checking account by a company called XXXX. These transactions were not authorized by me and have caused significant inconvenience and financial stress. 

Despite contacting your institution on to report this issue, I have not received a satisfactory resolution. I am disappointed by your failure to properly address this matter, and I insist on an immediate and thorough investigation into these charges, with prompt reimbursement of the unauthorized amounts. 

If this issue is not resolved to my satisfaction within 10 business days, I will be compelled to escalate my complaint. I will file a formal grievance with the Consumer Financial Protection Bureau ( CFPB ) and notify the Texas Attorney Generals office. Additionally, I will consider consulting my attorney to explore legal options and filing a report with the XXXX XXXX XXXX regarding your handling of this matter. 

I trust you understand the seriousness of this situation and the importance of resolving this issue promptly and professionally. Please confirm receipt of this letter and provide a written response detailing the steps you will take to address my concerns.

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 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Mortgage escrowed our insurance and property taxes breaching contract which stated it was not to be escrowed. Did not notify us and it took me over 9 months to clear up but when it wasnt I decided to have them leave the escrow and now refused to 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 explanation
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
Recently, I learned that XXXX XXXX  XXXX incorrectly include my name and Social Security number on its Death Master File. This error has been corrected with XXXX. 
Upon receipt of a confirmation letter from XXXX, there was information on how to obtain free credit monitoring. I tried to sign up for the monitoring but was informed that Experian has reported on my credit file that I am deceased. 
I have tried calling three different numbers at Experian to speak with a representative about correcting this information and I am not able to speak with a live person. The automated message continually reports that it can not verify my identity but will not allow me to speak with an agent.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I got an Apple Card and as soon as I did. It got hacked and someone used the vitural card number. They hacked into my XXXX account and made a purchase. In XXXX XXXX. For the amount of {$310.00}. 
I had to reset my password in order to get in and I contacted this seller and told them someone hacked my account. I got no reply and no item got delivered but my card was charged. I have pictures showing this documentation. Apple Card wont help. And even for me to purchase anything on XXXX. I cant use the vitural card number I have to use my bank account. I keep fighting this because i honestly have not made this purchase and its very frustrating that XXXX is not helping, and seeing I got my card number stolen. Please help me.

Company response to consumer: Closed with monetary relief