vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.

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 2024-04-01 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: FL

Complaint narrative:
Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.

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 2024-04-01 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: TX

Complaint narrative:
In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting! 
You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( XXXX ) immediately and permanently : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting!

You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( s ) immediately and permanently : **********************************************************************

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 2024-04-01 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: TX

Complaint narrative:
In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting!

You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( s ) immediately and permanently : **********************************************************************

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/2024, an ACH transaction was sent to the wrong account, and Wells Fargo is taking no responsibility to fix the issue. XXXX XXXX XXXXXXXX said the funds would be returned if Wells Fargo would claw them back, but Wells Fargo is refusing to provide a trace number or address the issue. Wells Fargo is doing nothing to fix the money sent to the wrong account. Claim Number 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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal refused to refund me after I was scammed. I'm a XXXX adult. I'm cognitively impaired and autistic, and I also have XXXX XXXX. Sadly this is the second time I've been scammed and they never help me. A woman contacted me and offered me financial help. Of course I accept, but later she said that I had to send her {$50.00} via PayPal to verify my account. I didn't doubt her and I don't understand fee 's so I said ok and sent her the money. Then she chatted with me for a while and tried to convince me to send her more. She told me to put it in friends and family so that I didn't have to pay even more. I believed her and I was scammed. I have screen shots and I shared them, but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: MI

Complaint narrative:
See document attached

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Score on Equifax was not showing on my credit report please kindly update my info and my score Here 's my Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: NC

Complaint narrative:
THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

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 XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

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 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 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 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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The bank sent a text and stated my account was going to be closed out. I called them and they would not provide me with any details. I feel that I am be unfairly treated because I dont think that the bank should be closing my account in the first place. They have never indicated that there was something wrong with my account. My direct deposit goes into this account and I would like to keep my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Best Buy Citi Credit Card - Misleading Promotional Balance Transfer XX/XX/XXXX - I checked my statement and noticed I had been charged interest on a balance transfer that I thought was 0 % interest with a 5 % fee until XX/XX/XXXX. 

I called the customer service line XXXX and was told that I signed up for a balance transfer that was 4.99 % and 5 % fee on said balance transfer that ended XX/XX/XXXX. 

I requested that they honor the initial balance transfer that I thought I was sending a check in for which was 0 % until XX/XX/XXXX. 

The advertisement was misleading because the top two checks offered a promotional balance transfer of 0 % until XX/XX/XXXX. So without looking I assumed the 3rd one was just the same. 

After speaking with three different customer service representatives they all told me that they aren't allowed to do anything. 

Then I requested that they hault my payments for a couple months and they refused to do that as well. 

I find this misleading and scam like behavior for the following reasons : XXXX. I truly thought all 3 checks were for 0 % until XX/XX/XXXX. 
XXXX. As soon as I noticed interest was being charged on a balance transfer I already paid for I called to rectify it. 
XXXX. Why would anyone get a balance transfer that they have to pay interest on and a transfer fee? 
XXXX. The fact the top two checks are available for 0 % and the 3rd one was the 4.99 % and an additional 5 % fee for balance transfer seems intended to intentionally confuse the consumer XXXX. The document doesn't specify if the 4.99 % is on new transactions or on the balance transfer. Even if I did think I was using the second offer no where does it say it will be 4.99 % on the balance transfer itself just transactions. 

So in the end my balance transfer was {$550.00} and now I'm paying interest on top of that. The fact that I owned up to my mistake but they still refused to help and charging me unnecessary interest seems unethical. It should be unlawful to charge additional interest on balance transfers that already charge a 5 % fee.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed 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 explanation