vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

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 2023-10-19 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: Aargon Agency, Inc.
State: TX

Complaint narrative:
This is a medical collection reporting illegaly and inacurate on my consumer credit report, violating my privacy and HIPAA 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 explanation
Consumer complaint received 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I got a response from TransUnion and XXXX one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from 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 2023-10-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I got a response from XXXX and Equifax one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
I have sent several written requests to TransUnion to remove erroneous accounts and information from my credit report. I have sent numerous letters over the last eight months, yet they have not removed the information and accounts, nor have they provided valid proof that the information is correctly reported. I have provided all information as instructed when I submitted my letters and I have given ample time for TransUnion to review my request and rectify the situation. At this point, they are refusing to process my requests and have failed to do their part in verifying all information that they are reporting. I have attached all of the letters I sent to them for your reference.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not know that my chase credit card was charging me a min fee for every XXXX transaction I was making since the card was tied to my XXXX account. I was notified on the XXXX side of a fee that they charge but was never made aware that there was also a significant fee on the credit card side. I was using XXXX to pay friends and family members for small reimbursement purposes and sometimes the minimum fee charged by chase bank was 50 % or more of the XXXX transaction. I feel these charges have been unfair and deceptive since the additional charges from the credit card side are not reasonably visible for a consumer to be aware of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NE

Complaint narrative:
I used cash app for my paychecks to be direct deposited. On XX/XX/2023 my phone was stolen by an associate of mine. I captured the individual on camera coming out of my house using my phone on XX/XX/2023 at XXXX XXXX at XXXX XXXX there was a code requested from cash app sent to my phone. Then at XXXXXXXX XXXX my cash app pin was reset and at XXXX XXXX  all the money in my cash app was sent to someone I do not know by the name XXXX XXXX XXXX ''. When I woke up and noticed my phone missing I viewed the person on camera with my phone and went to their house and ended up getting my phone back from them. That is when I seen they made the transaction of all my funds in the amount of {$1200.00}. I contacted the police and made a report and made a claim with cash app. Cash app denied my claim saying that it was authorized. After submitting all the information I had to the detective working on my case this person was arrested, charged and prosecuted with the theft of my phone, cash app card, ID and the money in the amount of {$1200.00}. I then submitted another claim providing this information to cash app on XX/XX/2023 and they claim they denied my claim again and sent me an email on XX/XX/2023 but I never received any claim denial from them on that date or any correspondence in regards to the latest claim I submitted on XX/XX/2023. It is clear from the evidence I have that I did not authorize this transaction and according to cash app 's terms and conditions I should be fully refunded for any unauthorized transactions but they are refusing to approve my dispute even with the police report showing the person was charged and prosecuted for stealing this money. I need help with getting this money back. There is no one that will help me with getting this money back from cash app. I have nothing left I can do. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
had unemployment sent to an account I had with them but the account was closed cause it was in the negative for {$24.00} and because I haven't used the account in 2-3 months. I was unaware it was closed until the payment was already sent. 
They recommended I open a new account so the money could be rerouted there. As soon as the money hit the account I paid my rent online via ACH. Immediately after the account was closed minutes later. It's under investigation because the Texas unemployment deposit was flagged as fraud. I have proof showing the deposit was in my name and the account is still restricted and not closed out yet. 
After it's closed I still have to wait another 7-14 business davs for my money.

I did research online and found several other Chase customers that experienced similar issues and it seems like some type of glitch in their system. 
I'm facing eviction because I do not have access to my money and the because the payment was returned which caused NSF and late fees. 
If I knew it was a chance of this happening I would have went to another financial institution or opted for a check instead. I took their advice and opened the new account. I want to be refunded for the NSF fees and for my pain and suffering. This has been extremely stressful and my kids and I are suffering tremendously. 

CHASE BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: CA

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 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 XXXXXX/XX/XXXXI DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -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 -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
ON DATE XX/XX/ I SENT A LETTER TO MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX # XXXX TRACKING # XXXX FOR VALIDATION OF THE DEBT. THEY REPLIED TO MY LETTER ON XX/XX/XXXX  WITH A LETTER " RESOLVE YOUR LEGAL COLLECTIONS ACCOUNT ''. THEY GAVE ME 3 OPTIONS TO PAY BUT THEY NEVER SENT ANY DOCUMENTION SUPPORTING VALIDATION OF THE DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

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 2023-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MN

Complaint narrative:
After opening my online savings account at Laurel Road I have been on the phone with them every day since funding the account. Upon funding the account the account was immediately frozen with no time line for resolution. Laurel Roads explanation is that they are investigating me for suspicious or fraudulent funding sources. Every representative at Laurel Road that I speak to gives me a different set of instructions or requests different information to verify my account including requests for sensitive information regarding the funding source. If funding sources need to be verified they should be verified prior to taking my money and freezing it in an account I no longer have access to. A simple way to verify a funding source legitimacy that other financial organizations utilize is to send one or two small deposits to that account and then have the legitimate account holder verify those amounts. Taking and holding the funds for an extended period of time with no resolution or being willing to send the funds back to original source if Laurel Road is not comfortable with verification methods available to them is wrong and inappropriately ties up my access to my accounts and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-19 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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I have a collection from Fair Collection and Outsourcing on my XXXX credit report. I filed a dispute informing XXXX on the Fraudulent account. That I never authorized nor did I apply for any business with Fair Collection and Outsourcing. Why are they reporting Negative information on my XXXX credit report. I have know knowledge of this collection. This collection has held my credit score down for 3 years. I can't even get a dog on lease with XXXX credit score. Let along the credit to buy the dog some food. 
I ask that this collection be removed IMMEDIATELY.

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 2023-10-19 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: WI

Complaint narrative:
I was a victim of identity theft, I provided the proof and paperwork TransUnion required and TransUnion make changes to my credit report based on their factual findings regarding this incident. 

Claim 1. ) There was a child support obligation claimed, which was removed because it was found by transunion not to be accurate or supported by the provided evidence. Some period later perhaps a year TransUnion placed the same child support obligation back on my credit report. Items on a credit report must be absolutely accurate, TransUnion made a factual finding that the same information was inaccurate and removed it they can not now place the same account back on my credit report. 

Claim 2. ) It is my information and belief that my credit report has been commingled with another credit report. The evidence I have to that fact is attached hereto. Essentially, I pay for report directly from TransUnion The product I purchased was " credit monitoring '' My username for this credit monitoring account is " XXXX '' I have attached screen prints from this account. It is painfully obvious that this is not my account it has a credit score of 4 when I pull up my account on myFICO My actual TransUnion report is provided screen prints will be included. It is very clear from all the evidence that they have commingled my file with someone else 's file. In an effort to get to the bottom of the situation I called TransUnion and the TransUnion rep asked me what my social security number was, and mentioned that it did not match with the social security number displayed on their screen. They have actually denied me directly access to my credit report, I had to go through another website in order to get a copy of my credit report thus having to pay twice. Therefore not only is this child support obligation not mine and should be removed from my credit report they have mixed in elements of some other person 's credit report with mine. 

Claim 3 ) I have a right to privacy but they are constantly and specifically abridging that right by commingling my information with that of someone else on another report entirely and ruining my credit and furthermore not providing me with the report that they are legally required to provide.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/2023 I made a ( 5x ) amount of my minimum payment amount to the XXXX XXXX  XXXX from One Main Financial. My payment was rejected for reasons unknown. On XX/XX/XXXX or XX/XX/XXXX I reviewed my XXXX XXXX XXXX and noticed a failed payment, made necessary corrections to rectify this issue with a successful payment of the same amount. This second payment was successful. 

The following into the work week of XX/XX/2023 I noticed my XXXX card was locked due to " suspicious or fraudulent activity '' because the payment was reversed. I called the company and requested what has to be done to correct this issue ; the representative said send in a current bank account statement, current drivers license, or current ID card with social security card, to verify my identity which was all action needed to remove the block. Upon sending my drivers license and social security card, with my bank account number used tk make the payment, my account is still blocked unless I release bank account statements as well. Per policy the block should be lifted and removed in accordance with actions being fulfilled that were needed to do so. The credit card company does not need to see my personal bank account statements. As long as payment was successful and are continued as such, personal account statements should not be required, as per company policy to remove such blockages. 

I've attached the promise to pay, the agreement on amount to pay, the non charge of returned payment fee meaning a penalty was not assessed for returned payment thus a returned payment blockage wasn't necessary if the company deemed the fee unnecessary. If no fees were asked for returned or denied payments, why is there a blockage on my account and my credit card, denying me access to the usage of my account unless I give permission for the credit card company to view my personal banking statements even after successful payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: CA

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 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 XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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