vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has verified an account on my credit report thats in collections by a third party debt collector XXXX XXXX XXXX however have not given me notice of how the account was verified after Ive requested information.

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 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2024 I initiated a money transfer for {$2000.00}, to XXXX. 
Transaction failed but MoneyGram withdrew the {$2000.00} from my XXXX XXXX XXXXXXXX account. 
After several months of investigation both the recipient bank and MoneyGram acknowledged that there was an error and the transaction failed. Therefore I am entitled to full refund of the {$2000.00} plus the transaction fee, per attached letter from MoneyGram.

However, MoneyGram has refused to refund the money. MoneyGram referred me to XXXX XXXX XXXX 
XXXX  XXXX XXXX has also referred me back to MoneyGram, as the entity holding the funds.

None of these two want to refund my $ XXXX. 
Please see attached letters from all entities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
my Chase Paymentech Merchant Account transferred credit card and debit cards deposits to a different account number not associated with my business. On XX/XX/2023 thru XX/XX/2023. Chase Paymentech transferred {$260000.00} of my business deposits to a different account without my knowledge. I have unable to get Chase to redeposit the total amount of card card and debit card owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-25 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 am writing to file a complaint against Experian for failing to correct an inaccurate late payment entry on my credit report for XX/XX/2023 with XXXX XXXX XXXX XXXX ( XXXX  ). This is my second attempt to resolve this issue. 

Despite my dispute and supporting documentation, Experian has not addressed this error. According to FCRA USC 1666b, this late payment should not be reported. 

I urge the CFPB to intervene and ensure Experian corrects this mistake promptly. 

Thank you for your assistance.

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 2024-05-25 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: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.

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 2024-05-25 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: MI

Complaint narrative:
Credit reporting agency, Experian is in non-compliance with proper investigations into active disputes. The company has verified accounts with XXXX after being provided with documentation/proof that their is no debt of the accounts and that the accounts are not in collections. Experian has received all notices and pursuant to the FCRA HAVE NOT done there job on maintaining the accuracy of a consumer report.. The credit reporting agency has for months verified information to my consumer report without providing whom they spoke with, the name of the person and etc. They have not looked at all verifying information sent in to their company to help the investigation. I have advised Experian on different occasions that the reporting collection agency is XXXX and not XXXX this is inaccurate information and must be removed. The collection Agency, XXXX does not report to collection agencies and that XXXX is reporting and should not be as they no longer have the account. Experian has not done anything. I am filing a lawsuit for company, Experian for their false and misleading practices of them providing services pursuant with the FCRA on reporting the accuracy of a consumer report. Experian has received information in other CFPB complaints as advised attaching the information to the dispute, but in my belief they have not looked at the supporting documentation all which shows proof of the inaccurate reporting of the 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 2024-05-25 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: MI

Complaint narrative:
On XX/XX/2024 I submitted a complaint against XXXX XXXX XXXX XXXXXXXX stating that I am not liable for this debt with XXXXXXXX  I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of XXXX to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXXXXXXXXXX they did not provide me with the original contract as I requested.

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 2024-05-25 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: MI

Complaint narrative:
On XX/XX/year> I submitted a complaint against XXXX XXXX XXXX XXXXXXXX stating that I am not liable for this debt with XXXXXXXX  I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of XXXX  to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXXXXXX they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/XXXX and XXXX I attempted to book a flight with XXXX XXXX. The initial XXXX attempts left me stranded. I eventually spoke with an agent who told me that my charge for the entire flight will be {$430.00} and that he would refund the other XXXX attempts XXXX was {$390.00} and the other was for {$450.00}. XXXX he did not refund those the cost for those flights so I disputed them I was issued credit and those credits were reversed after the credit card companies so called investigation, I believe that the disputes department for XXXXXXXX XXXX is lazy, incompetent and XXXX decision influenced the outcome that they made and that decision has cost me nearly {$1000.00} of being overcharged and this is unacceptable included with this complaint is a copy acknowledging the unfulfilled refund from 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 explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I sent in a letter more than once from a XXXXXXXX XXXX  agencie, I have called over & over. I have given them everything they have asked for & gotten no help on this matter. I feel not heard & that my voice isnt good enough, so I gave u many voices & still ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A couple of years ago specifically some time in XX/XX/XXXX disputed an account which was inaccurately being reported on my XXXX report. After not 1 but 2 disputes XXXX removed the XXXX XXXX XXXX account from my report. I also use Experian for additional credit monitoring services as well as XXXX XXXX. Both companies Experian and XXXX XXXX has the XXXX XXXX XXXX account reporting and negatively affecting my XXXX XXXX. I contacted both companies and even filed a complaint against Experian for reporting the account as it is not listed on my XXXX report. I came to the realization that both Experian and XXXX XXXX are reporting information provided directly through XXXX. My problem stems from XXXX 's inability and/or unwillingness to correct the problem. Upon speaking with numerous customer service representatives XXXX XXXXXXXX I am being repeatedly told because the account is not listed on my report with them there is no recourse. I just need someone to explain to me how to correct this error. I have both XXXX XXXX and Experian saying they're only reporting information provided by XXXX and XXXX denying culpability saying they can not report an account that is not in my credit file.

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 2024-05-25 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My cousin on XXXX said she received {$100000.00} grant from this guy. I asked about it and XXXX XXXX XXXX contacted me and wanted XXXX gift card to pay processing fee. I was unable to leave the house to get the gift card due to broken hip and walker use. Finally used XXXX ( American Express ) to send {$1500.00} only because my cousin vouch for him. They spoofed her XXXX account. It wasn't until I called her ( she did not know about it and finally blocked him ) Then I realize it was fraud, too late. Unable to stop transaction as it was friends and family on XXXX. I opened a case with the FBI as well. I'm a 60 % disable Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NJ

Complaint narrative:
My fiancee sent me {$150.00} to my chime banking account to withdrawal for her while I was at my local XXXX nj XXXX atm owned by XXXXXXXX XXXX the atm approved my transactions started to count the money, continued counting it several times before displaying a failed to dispense error message. Which to me indicated the machine had run out of money. My banking ap sent me an in app notification that the transaction had failed due to low funds and that my over draft protection couldn't cover it even tho I was withdrawing the exact XXXX XXXX i was just sent. I figured the next day the money would be back in my account but to my concern the transaction was suddenly approved. I immediately contacted the bank and they said the only thing they can do is file a dispute which they did on my behalf. The next day i was told they ended the dispute with zero evidence and zero contact from the merchant. I then contacted them again to refile the dispute and to ask for information on why it failed, they said they would send me the info and refile the dispute. They did not refile or approve another dispute. I then contacted XXXX XXXX to see what can be done since it was their atm, they said the only thing that can be done is to file a dispute with my bank and contact wawa. I then reached out to XXXX customer service and have yet to hear back from them about this issue that occured on XX/XX/XXXX XXXXXXXX XXXX  As of now my fiancee 's money has been stolen by one of these institutions and has caused her to default on her credit card payment plan which has ended the agreement plan she had set up. I am concerned the security footage showing me not receiving this money will be gone by the time i hear anything more on this issue and am at a loss as no one seems to care or want to even help in this issue. The transaction would be fully on video camera but as all transactions want paperless i do not have a receipt as well as the transaction failed initially so i did not receive one either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Mobile deposited a {$600.00} check to my Truist One Checking account on XX/XX/XXXX, when submitting my check it showed standard availability which would be the next morning, XX/XX/XXXX as the check was submitted before XXXX XXXX. Later in the evening I received an email saying a further hold was placed on the check until XX/XX/XXXX with the reasoning of our deposit date is within the first 30 calendar days after the account was opened.

I have never had a bank issue a such a lengthy and pointless hold on a check before, especially since the amount was under {$1000.00}. Unfortunately this money is to cover expenses after missing work from a XXXX and I wont be able to ask my grandparents that wrote me the check to issue another one due to stop payment fees and insufficient funds

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 2024-05-25 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: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.

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 2024-05-25 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: PA

Complaint narrative:
I am very DISTRESSED that Equifax Credit Reporting Agency is in violation of FCRA 602 which states I have a right to PRIVACY, and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 
Equifax according to these laws is in violation for reporting Trade : XXXX XXXX account without my PERMiSSION, CONSENT, nor any WRITTEN INSTRUCTIONS from ME. 
The LAW FCRA 604 ( a ) ( 2 ) is very clear that Equifax had no right to PUBLISH/ FURNISH this XXXX XXXX account without my WRITTEN instructions. I never gave Equifax any type of PERMISSION to FURNISH/PUBLISH this account on my credit report. 
Delete Trade : XXXX XXXX from my Equifax credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX - email came in to send off documents XXXX XXXX XX/XX/XXXX- replied with info asked XXXX XXXX XX/XX/XXXX - followed up with a telephone call and spoke to XXXX and was told the case would be escalated. 
Heard nothing for XXXX hours XX/XX/XXXX - follow up call again around XXXXXXXX XXXX talked to XXXX was told it would take some time. told him this was unacceptable when I have done nothing wrong nor illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Upon reviewing my credit report I noticed a fraudulent account. I contacted Macy 's to confirm this account is fraudulent. I spoke to a representative who investigated the account and deemed the account FRAUD. I received a document via mail that noted that this account would be blocked and removed as fraud. This account still reflects on my credit report today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation