vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I reported this company in XXXX XXXX XXXX XXXX by a different name. They changed the name of their company to Ability Recovery Service, but it's the same {$1300.00} medical bill they fraudulently charged me for then. I have never been to a hospital in Mississippi EVER. Please stop allowing them to send fraudulent charges to collections and affecting my credit score. This is ridiculous.

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 2024-01-26 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-26 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: IL

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XXXX  I deposited a large check into my personal account a my chase bank. Later that day I received and email from chase stating that the funds would not be available till XXXX. I at that point I called them to have them manually release the check which I had in the past with out issues. The employee I spoke to told me that the hold had already been released and my funds would be available at XXXX XXXX XXXX XXXX XXXX  and confirmed it twice to me on the phone. The next morning I was disappointed to see that the funds were still on hold. I called in again and was told there was still a hold and spoke to someone in department that handles the holds. That lady said there was nothing she could to override it and then we were abruptly disconnected. I though it was very odd I was told one thing the day before and now a different thing so I called back. I asked to speak to a manager of the holds department after explaining everything to her just said she would get it taken care of I was on hold with her for awhile and said he submitted the request and the funds would be available in my account in the next 30-45mins. Well that never happened, I called back 3+ hours later and spoke to another manager in the same department. He said he saw the request was denied by the previous employee but he could fix it. I was on hold with him awhile and he told me he needed to speak to my attorney who issued me the check. He confirmed with him the check was 100 % legitimate and that I would see the money in my account within 20 mins. Guess what? That never happened. I called back in the morning of the XXXX and spoke to another manager who said they must have just not gotten to the review and he would send a priority message to his " back end team '' that does the reviews and I would see the funds in 20 mins. Surprise no money 5 hours later, and when I call they say it was just denied. I asked them why would 4 employees give me false information? Of course they would not admit to their coworkers lies. Here is the thing I understand checks taking forever to clear when its a large amount. But when I am told differently then that is what I am expecting. I was told but 4 different employees 4 different times and dates when to expect my money. Do banks have any obligation to be truthful to their customers? Are they able to make fraudulent statements to their customers without recourse regardless of their intent? Is it typical of banks to call the person ( my attorney in this case ) who signed the check and then disregard the answer they provided from said person? Also as Chase reminded me all calls are recorded so it will be very easy to verify everything I have said.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE BANK is offering or advertising a free credit score check without you/me being a account holder or having an account, ( No chase account required ) with the BANK. However once you fill out the information you click a box that says you agree to receive text messages and calls about information etc, but you are then directed to a page that states that an online account can not be opened for you. This is a false advertisement and bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CT

Complaint narrative:
XX/XX/year> I received an e-mail saying my account was locked. I reached out to Credit Karma chat who said they have sent an e-mail and that's all they can do - I told them I need my funds and this is not an option - Banks have an obligation to give access to the funds especially considering I verified my identity over the phone. I called into Credit Karma and received a similar non answer. They will not give me any information on a timeline or when someone is looking at my case. I reviewed this issue online and there's hundreds of people who have lost access to their accounts for weeks for issues like this. I spoke to a supervisor- XXXX who refused to give me an e-mail indicating that we had spoken or any additional information. He sent me a pre-templated e-mail saying they sent it over to a specialized team and a case XXXX XXXX Any other bank has a fraud department phone number that can resolve this issues instantly. I have immediate need to access the funds in this account and I also have taxes depositing into the account that if this isn't resolved I won't have any access to. This is a poor business practice and I feel like my rights to my funds are being violated by this institution. I will also be submitting this complaint to my attorney general. To hold someone's money without an immediate resolution and not even a timeline of when it will be looked at is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account for my credit report as soon as possible. Thank you.

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 2024-01-26 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I've disputed an account on all 3 credit bureaus linked to XXXX ending in XXXX. So far the only bureau that has deleted and blocked the information is XXXX. I'm utilizing my right to arbitration in Experian 's arbitration clause. This is notice that I have began the process.

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 2024-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sent multiple request over the past month to delete inaccurate accounts from my profile and the company has refused to remove the accounts. They did not fully investigate the issue after I informed them my data had been breached. 

Experian has not provided me any evidence of the accounts I have disputed. 

1. I am requesting the company provide what steps they took to actually investigate the accounts to ensure the accuracies of the disputed accounts. 

2. Since you did not delete accounts can you please reinvestigate the accounts. 

3. Send me my full complete file disclosure to listed address.

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 2024-01-26 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:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed Monterey Financial Services at XXXX XXXX  XXXX XXXX. Additionally, I called Monterey Financial Services XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid Monterey financial services {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I did not authorize this and it is fraud. My account # debit card .My government direct deposit was stolen out my account that was Deposited between. XXXX XXXX XXXX. I was told by customer service on XXXX a transfer of XXXX at XXXX XX/XX/2023 XXXX XXXX XXXX XXXX then another XXXX XXXX XXXX restaurant in XXXX XXXX XXXX XXXX XXXX This was me Im in Michigan and I didnt travel to XXXX XXXX  XXXX My username and password has been Hacked. I have been a customer for years and I believe you can rectify this matter immediately. I was left a balance of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Being harassed via email by a debt Collector agent for several months ( 4 ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recently received a threatening email about a potential law suit for a debt that has been sold by the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: PA

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 non-monetary relief
Consumer complaint received 2024-01-26 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: PA

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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE
State: MO

Complaint narrative:
Since XX/XX/ i put a compliant with THE MONEY SOURCE INC . I requested a escrow refund via electronic/ACH refund compliant number XXXX and NEVER received a phone call directly from THE MONEY SOURCE INC,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.

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 2024-01-26 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: MO

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 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