vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reported fraudulent transactions totaling over {$5000.00} on my XXXX credit card. After their investigation, XXXX agreed that the $ XXXX was fraudulent and reversed those charges from my account. However, they are now insisting that I pay an additional {$1000.00}, which includes interest on the previously reversed fraudulent charges. 

Despite my repeated requests, XXXX has failed to provide any proof beyond a reasonable doubt that this {$1000.00} debt is valid. They initially assured me they would contact credit agencies to remove the negative marks from my report but failed to follow through, leaving my credit negatively impacted. This ongoing dispute has lasted for over a year, causing significant emotional and financial distress. 

I originally closed the credit card after the identity theft incident, yet XXXX reversed more than {$5000.00} in fraudulent charges after the card was closed. Their handling of this situation has been unethical, as they continue to demand payment for a debt I do not owe. 

I seek justice and resolution in this matter. I refuse to pay for fraudulent transactions, and I want XXXX to take full accountability by removing the {$1000.00} debt, along with any associated negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to dispute a charge that XXXX XXXX has placed on my credit report. I sold my property on XX/XX/year>. However, XXXX XXXX is holding me liable for home insurance premiums after this date, which I did not incur. 

This is an error, and I find it unacceptable to be charged for coverage that I did not request or use. I kindly ask that this issue be investigated and rectified immediately, as it adversely affects my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: IN

Complaint narrative:
On XX/XX/year> I opened a XXXX with XXXX XXXX XXXX to have available for balance transfers. I called Chase bank @ XXXX and asked for my {$11000.00} balance to be transferred to my XXXX XXXX, well instead they made payment of {$11000.00} and charged me {$570.00} transaction fee, so things got all twisted with payments and transfers between both banks. I went to the XXXX XXXX XXXX to get it all straight because Chase would not listen to what I was telling them about their mistake, I have made multiple phone calls to try and get this fixed with language barriers and attitudes from Chase. My credit union has been able to get everything straightened out correctly. I am asking Chase to refund the fee and the interest charges that total {$700.00} to my Chase Freedom card, because I do not owe those fee 's. This was their error of miscommunication that turned everything into a huge mess. I spoke with a supervisor named XXXX today XX/XX/year> about refunding this {$700.00} to my account and she states it can not be done because the disclosure was read to me. In my understanding of all of this the transfer was being done, I have never done transfer before and didnt understand the fee and with the language barrier and making me feel like the transfer was being done, it happened, and once I immediately saw they made a payment instead I called them to get this handled and I have spoke to multiple people and I cant get them to resolve the problem and that even includes going into Chase bank and speaking with a banker there that acted like he didnt have the time because he had an appointment and he just had a bad attitude and his actions while listening to us tell him the problem. I dont remember his name, but I can get it if need be. I just want Chase to own their mistake and reimburse the fee 's and interest on my Chase Freedom card. I am trying to get out of debt not into more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Inaccurate Credit Reporting, Does not have expressed written consent to report any information, Illegal Administration of claimed estate, Identity theft

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is withholding and delaying my direct deposit arbitrarily or in an attempt to make money off of the interest. I'll explain. 

I have been a Bank of America customer for 20 years, and an employee of the XXXX XXXX XXXX XXXX for 9 years. I get paid a state issued wage via direct deposit on the XXXX at XXXX or earlier if it's a weekend or a holiday. I also get a mid month overtime state issued check wages, sometime between the XXXX and the XXXX. Bank of America says the deposits are usually available next day, usually XXXX before XXXXam, no later than XXXX EST. 

However, I'm finding over the last XXXX years, and specifically the last month and this month ; Bank of America is holding my mid month overtime check for XXXX days. Last month, it was 5 days. This month is 2 days and counting. 

I have repeatedly complained, and have spoken to several people via email and over-the phone ; they just tell me that direct deposits are held if they're not sure about the sender. That's not truthful, I work for the XXXX government and have done so for 9 years.

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 2024-11-14 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the unauthorized credit inquiries listed below from my credit report. My personal information was compromised in a data breach, and these inquiries were made fraudulently without my knowledge or consent. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these unauthorized inquiries be immediately blocked and permanently removed from my credit file. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
I have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therfore any such debt in fact therefore exists. ( please REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXX, 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, Please remove these inquiries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate. XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Company : Hyundai Motor Finance ( XXXX ) XXXX, XXXX XXXXXXXX XXXX Auto accident on XX/XX/XXXX, total loss. On XX/XX/XXXX Hyundai Motor Finance received {$3300.00} from Hyundai XXXX XXXX. On XX/XX/XXXX received {$25000.00} from XXXX XXXX XXXX. On XX/XX/XXXX received {$8500.00} from GAP Benefits. The last payment had the auto pain in full with an overpayment of {$3300.00} that was to be refunded to me. I called several times, to include today XX/XX/XXXX about my refund, every time it was a different story. Today the said that the overpayment was going to go back to GAP, I spoke to GAP many times and the last conversation they stated that the overpayment needed to go to me. This company has always had a different answer to all my calls, they keep telling me changes, but no proof of policies that dictated what they were telling me. I feel that I am getting the runaround, I was told that I should be getting the refund in 10 to 14 days, now it has been 45 days.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-11-14 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account at XXXX XXXX XX/XX/XXXX account number XXXX, XXXXXXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I'm wiring money to payoff a loan. Submitted at the branch. I've spent hours complying to their request. After several days, the wire has not processed. I have nothing from the bank stating the problem or if the money will be wired. The delay is costing time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by Equifax. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to
maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation