vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: GA

Complaint narrative:
I signed up to receive a service from the Albert Money App soon realized it was all a scam, but there was no way to cancel service through the app. I messaged to have the service stopped. I was assured that service service would end, but after checking my account they continue to make withdrawals every month. I tried to call back they stopped making withdrawals for the month of XX/XX/2024, but started back on XX/XX/2024. This is apparently an ongoing issue with tons of people that use the service, but they make it very hard to stop service and to get your money back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
After having a altercation with the tow man during repossession my personal information was sold to a secondary debt collector without my consent or signature which is a violation of my consumer rights I dont care about what they respond after I filed my first complaint I dont care about them closing the account I want this debt gone and deleted asap for fraudulent activity and selling my information. This is against the law and if I have to go pay XXXX XXXX to get my lawyer involved Im filing a XXXX XXXX dollar lawsuit against CFPB And Navy Federal For Failure To Follow Policys And Violating My Personal Rights. This matter was supposed to be handled and done but instead its passed 5 months now which is another lawsuit. I want this debt gone less than 48 hours or Im simply getting my lawyer involved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited my check and they told me it would be available next day, then they put a 7 day hold on it for verification and refuse to help me in any way since theyre holding all money I have no funds to pay bills or support my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CarMax, Inc.
State: NY

Complaint narrative:
Accounts and loans opened with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with DIVERSIFIED ADJUSTMENT, 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I would like to request a digital and hard copy of the Purchase Agreement from SPRING OAKS CAPITAL LLC of the alleged debt you claim I owe. The process of buying debt always include a contract which should explain in detail the following, What was bought, What representations are made for accuracy, What can be done with the debt, and the exact amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-02-05 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 {$1100.00} The information is incorrect identity was stolen I request documents that has my id with my face showing its my account and used my ID to get this account this is illegal debt parking under the fair debt collection practice act and passive debt collection. 
This was disputed after taking off as it do not belong to me nor did I ever have account. They waited month or two and added it back to my account I after put in a complaint with CFPB about this and while waiting for response this account keeps going up higher and higher dollar amount. Its now been over a year decided to do another complaint as again it is not mines and do not belong to me and shouldnt be forced to pay for something that isnt mines and a company that cant prove its mines only have my name however I also made police report and sent it in to CFPB. This is account that do not belong to me. Please dispute, delete this account from my credit, all bureaus not fair and against the law to share information and buy peoples information after demand payment

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX, a fraudulent {$490.00} charge was made to my Chase Amazon Credit Card from XXXX. I have the card set up to immediately text me when any charge is placed with this card. I called the Chase Fraud number and reported the unauthorized charge minutes after the charge was made. Chase reversed the charges and issued me a new card and card number. On XX/XX/XXXX Chase sent me a letter saying I was responsible for this charge because I " received benefit from this transaction ''. On Monday XX/XX/XXXX, I called Chase again and asked for proof I benefited from this transaction. All they could tell me was the email address and physical address on the fraudulent charge matched my information. Chase could not provide me with a tracking number that showed I received items nor that any items were actually shipped to me. Chase could not provide me with any other information about how I " benefited '' from the transaction. 
The fraudulent website used is XXXX, doing a quick domain search online you can see the fraudulent site was made on XX/XX/XXXX, a mere XXXX days before my stolen credit card information was ran through it. You can also find no physical address or other information about the business. The website is a copy-paste template simply used the funnel  stolen credit card information through. The address on their return product page isn't even filled out. I have emailed the contact email provided on XXXX contact page, asking to be refunded and telling them my information was stolen, only to receive no response.

Chase said they would reopen the investigation but at this point, I have XXXX confidence in Chase 's fraud investigation team. For some reason unknown to me, this order shows up on the XXXX  app. I have attached a screenshot showing this fraudulent order was placed but never shipped. I have also tried emailing " shop '' only to not reviece any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: 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, XXXX, and Transunion 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 2024-02-05 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 2024-02-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Submitted a dispute on XX/XX/XXXX. Synchrony bank closed my dispute shortly after without any investigation. Called in to re-open dispute on XX/XX/XXXX. Dispute was closed again with no investigation. On XX/XX/XXXX, dispute was reopened. This went back and forth numerous times, until the dispute was closed again with no investigation conducted. 

On XX/XX/XXXX, was told dispute was denied. No investigation was done ( again ). 
Called in again on XX/XX/XXXX and again on XX/XX/XXXX because of repeated difficulty to reach a human agent. Now told to fax my evidence ( for the first time ). I did. Received voicemail from Synchrony acknowledging receipt of fax on XX/XX/XXXX. 

On XX/XX/XXXX, told no fax was ever received. Dispute was closed again. Told to fax again. I faxed again. 

XX/XX/XXXX. On hold for 24 minutes with an agent only to have the call drop. Called again, told no fax was ever received. Throughout the entire 4+ months, no investigation was ever conducted. No information was requested from me. I still have not received my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report.

According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation.

I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company response to consumer: Closed with explanation