vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent TRANSUNION 3 letters trying to resolve this incorrect information on my credit report from XXXX XXXX Acct # XXXX on XXXX XXXX XXXX XXXX XXXX XXXX I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. TRANSUNION replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate. 

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.

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 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: OLD NATIONAL BANCORP

Complaint narrative:
I was invested through e mail technology in XXXX at FIRST MIDWEST BANK XXXX Sum of legally Paid for me US {$5.00} XXXX XXXX for me from United states of Government legally so it was informed to me by United states of America XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION XXXX XXXXXXXX : Thanks for your email and response in confirming you don't know XXXX XXXX. we have filed a report in having him arrested for false claim in stating you sent him to claim your fund. 

This is to notify you that we have finalized your fund transfer process and also forwarded a telex message to the payee bank which is the First Midwest Bank to effect your payment through their online banking system. It has been settled by the government that the XXXX XXXX XXXX United States XXXX will be transferred through First Midwest Bank. 

Your information has been forwarded to First Midwest Bank to enable them to set up an online bank account with your name and information to enable you Transfer your fund from their online account to any of your local bank account coordinates. 

For a satisfactory payment relief and acknowledgment, you are directed to forward your Claim request and inquiries to the First Midwest Bank via their below operational Channel email address below : Contact Person : XXXX XXXX XXXX XXXX XXXX XXXX, Email : XXXX after I was up dated to XXXX XXXX I was Contacted the Bank XXXX of XXXX XXXX XXXX XXXX XXXX for my investments And to date what I was invested to This Bank No Any responses for al legal 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not take out a credit card with XXXX XXXX nor have I lived in Indiana, this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My bank account for Huntington was compromised I made a police report closed said account opened a new account and because I was a victim of fraud they will not open another account black listed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/ My company had its first big " payday '' for services. We bring entertainment to little kids birthday parties. The first payment was for just over {$4100.00}. 
We received a note from XXXX XXXXXXXX that the payment was to hit our bank account in 1-3 business days. 
The payment did not hit our account. 
We reached out to XXXX XXXX and they said they are not the credit card processor they have a 3rd party WE PAY by JPMORGAN do that part. 
We reached out to them. 
Their rep said we needed documentation for the service ( invoices ) we provided. 
The rep said we need to verify you are a real business.We showed we have been in business for over 6 years. Our website. We provided our credentials and qualification documents from the state. XXXX XXXX We provided all. 
The rep said they would now HOLD OUR MONEY until 120 days and return money to customers with whom we have already provided service for and they paid with a credit card. We are now in LIMBO for {$14000.00}. Also they took their fees ALREADY. 

We have attached correspondence and supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

CKS PRIME INVESTMENTS , LLC Account Number XXXX XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference. This is a violation of reporting. Need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 

They are breaking the law by reporting inaccurate information to the credit bureaus.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company has chosen to close this account. They have erroneously placed charges onto a card. They continue stating payment is due when they have failed to communicate. However, they erroneously closed the account outside of the realm of the equal credit opportunity act. This account was never past due, did not have inactivity, and no default whatsoever. My account was paid on time each month. Capital One chose to close the account, and they have chosen to forfeit payment because they closed the account. They need to stop billing me for an account they closed and for violation of the equal credit opportunity act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached a FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I surrendered the vehicle to credit acceptance after I could no longer for the payments after making payments for 6 months on time. Of course they said it was repossessed which is fine. I get it but they say they sold it for {$4000.00} at auction and I have a {$10000.00} balance which is ridiculous and my credit is in shambles because they put me into a long way bigger than I could afford and they knew it.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Name of the merchant : Pottery Barn Purchase date XX/XX/XXXX Bill date XX/XX/XXXX using Pottery Barn Private Label Credit card serviced by Capital One. Credit card was billed and transaction was posted before delivery was received. 
Purchase total {$2800.00} I filed a dispute with Capital One on XX/XX/XXXX and the dispute was denied as they stated the disputed needed to be filed within 60 days of purchase. 

On XX/XX/XXXX received the modern farmhouse round pedestal extending dining table, however, the table had several imperfections upon delivery. I notified Pottery Barns customer service immediately via phone and provided pictures of the imperfections and damage to the table via email. They stated they would send me a new table in XX/XX/XXXX. The date of the replacement table continued to be pushed out and is now slated for XX/XX/XXXX, more than a year after I received the initial table. I asked for the table in my possession to be returned. They agreed to pick it up for a full refund. 

I have had to call several times to find out when the credit should show on my credit card. Each time I was given a different story. I was first told the refund had been released and it would be XXXX to 10 days. After 10 days I called back and they stated the card declined the return and stated they would try again. I asked if they needed the card number to reprocess and they said no. I asked if someone could call me back to let me know if the refund went through and they said they dont call back customers. 
I called back on XX/XX/XXXX as no credit was showing on the credit card and spoke to XXXX. She stated she opened a ticket for her supervisor to find out what was going on and they would give me a call back. I never received a call back. She provided me with this confirmation number during the call XXXX. I called back on XXXX/XXXX/XXXX and spoke to XXXX. She informed me needed the credit card to place the refund. I gave her the credit card information. She stated I would have to call back and follow up if I did not see the credit within XXXX days. I called back on XX/XX/XXXX and spoke to XXXX. She stated they were working still working on the refund and it would be XXXX business days. 


Are you able to help me with my refund? 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Allegiant Capital Recovery LLC
State: IL

Complaint narrative:
Today XX/XX/23 at XXXX XXXX  cst I received a text message from a debt collector. This is after hours from Allegiant Capital and message shows to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
received loan and being charged more than what was in the application and a ridiculous date of one week after loan. {$270.00} weekly instead of a {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
I purchased a fridge from Amazon on XX/XX/2023 using my Amazon Visa and it arrived on XX/XX/2023. The ONLY reason I felt comfortable purchasing this fridge was because I used the Amazon Visa to purchase it and it would have been covered by Amazon 's A-Z Guarantee in the case of any issues- which they CLEARLY display on the product page ( image of the supposed guarantee attached and can be found in full here : XXXX XXXX XXXX? XXXX ) When the fridge arrived, it was easy to see that it was packaged EXTREMELY poorly, the cardboard box it was in didn't even have a bottom, just plastic straps holding the other sides together. There were two flimsy half inch sheets of XXXX on two of the sides around the fridge. That was it. Obviously, by the time I received the fridge after it was shipped by XXXX, it was pretty beat up. I immediately notified Amazon to trigger their A-Z Guarantee and they sent me an email asking for pictures of the damage. I sent those to them the very next day. At this point I would have been fine with either a refund or an exchange for a fridge that wasn't damaged. 

Then a few days later, I received an email stating that they did NOT receive any images from me and therefore they closed my claim?! Subsequent efforts to reach them have gone nowhere. 

I can't believe I have to go through the CFPB to escalate what should have been a simple matter. I ended up purchasing a replacement fridge from a local appliance dealer so at this point, I'm not interested in an exchange from Amazon, I want my money back for selling me a damaged fridge. Going forward I'll never rely on their " guarantee '' again. This entire incident has shown my husband and I that we should be putting any future Amazon purchases on our XXXX  and not our Amazon Visa, and we should be limiting any purchases on Amazon to nothing more than {$50.00} because they can not be trusted to uphold their stated guarantees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a bill from you on [ XXXX ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
In XXXX of 2023, I was traveling to XXXX and XXXX XXXX with my family. Per Schwab 's request, I added a travel notice for XXXX and the XXXX in advance. I was declined immediately upon trying to use the card. When I called, the representative blamed their third party ( not an excuse ), specifically Visa, for causing the issues. Took a long time on the phone to have this resolved. 

Fast forward, today is XX/XX/2023. I just spent 45 minutes trying to withdraw money from an ATM. After the first attempt, Schwab texted me to alert me of the blocked withdraw due to Fraud. That's reasonable. I texted back to confirm the transactions were in fact me. I try to withdraw money again - declined. I call Schwab and am able to once again, confirm this was me. I try a third time- declined. I call Schwab back and ONCE AGAIN confirm this was me. Now I try a fourth time- declined. This time, I called Schwab to discuss with a live rep. She verified my identity, and then put me on hold to contact the Visa team. She comes back and said Visa cleared it, let 's try again. Once again - declined. She puts me on another hold to talk to Visa. Visa comes back and blames the ATM and the card itself ( which is relatively new ). Try a different ATM- still isn't working. Doesn't seem to be the original ATM 's issue.

I've only had the card for a little over a month, and I've already spent hours trying to clear issues with them. Completely unfair and causing negative impacts to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: AL

Complaint narrative:
need original balance or balance stated

Company response to consumer: Closed with explanation