vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS : XXXX Phone Number : XXXX XXXX TRANSUNION XXXX  XXXX : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit reports within XXXX business days, pursuant to section XXXX05C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

Please remove hard inquires XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX I was at XXXX XXXX XXXX XXXX  where I attempted to withdraw {$100.00} out of their ATM machine ( XXXX ) with a total charge of {$110.00} but did not receive any money. I immediately waved over one of the casino employees who then called who I think was security or something. his employee number was XXXX and his name is XXXX XXXX. He is the fellow in the photo standing at ATM machine, speaking to the ATM people and documenting the transaction, photo attached. He Checked the ATM machine and contacted them as well. He opened the machine up and was reading a log, and then showed me where the transaction was reversed and said I should receive my money back in my account within a couple of days, I never did. I took some photos of the machine. I do have the machine number, etc. photos that employee at XXXX name and photo and also contact it cash app, which was what I had used to withdraw the money and put a dispute in since the money did not show back up in my account. I also gave them all of the information photos, etc. that was requested it has been, almost a week and I still have not received any money and was told that they are contacting XXXX XXXX  nothing more. as this is not the first time I have had an issue with Cash App transactions with a debit card or with an ATM machine as it had taken me over XXXX months to get my money back the last time along with a threat of filing a police report up to that time everyone ignored my dispute and never got back in touch with me I do not want to get to that point as I dont have a lot of money as it is and I dont understand why the money was never immediately put back into my account anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested to all XXXX credit bureaus to remove all information that is not related to me

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 2024-07-20 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: IL

Complaint narrative:
In XXXX of this year I checked my credit and noticed several unauthorized and incorrect items. On XX/XX/2024 I wrote to the bureaus to dispute the items and have them removed. None of these people had a permissible purpose or consent to obtain my credit reports. To date, this credit bureau has not responded to my letter, nor has it taken any steps to rectify the errors and damages done to my credit. They are willfully disregarding my dispute. They are willfully reporting inaccurate information.

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 2024-07-20 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I paid off my card in full it said I had a XXXX balance then the next month I get a bill claiming I still had a balance. I called they claimed residual interest I told them how could I accrue interest when I paid my card in full. They said I owed interest I said how I made very large payments paying my card off, i checked my account it said I had a XXXX balance, a XXXX balance is a XXXX balance so I asked to speak with someone else I was transferred to another Bank of America employee who flatly told me all he could do was enter a digital appeal request and that I would get a response through email. Got a flat out denied request with absolutely no reason or explanation of my account. Stating the decision was final with no customer service number or way to challenge. A complete brush off with XXXX human interaction from a company who is known to nickel and dime its customers with fees. I feel their fee was high, and unwarranted as I had paid very large payments and they did not even look at my account but just flatly denied it. They took out people from the equation in overlooking my account as a way to not allow people to ask reasonable questions about fees theyre being charged and then block you from appealing saying in their email that the decision is final with no reason or explanation to how they arrived at their decision forcing customers to pay their fees without further recourse than to hire a lawyer aware if your fees are less than a lawyers fees people will just pay their fees because if they dont Bank of America will hit them with more fees and interest. Bank of America is ripping people off again and should be further investigated. They should not be allowed to treat their customers like this. They have lost my husband and I as customers for their lack of transparancy in handling our account. We hope that they are investigated and stopped for taking advantage of their customers like this. I am calling them again complaining about how they handled our request and letting them know we have published our grievance here in request that they be investigated.

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
I recieved a notice from Patenaude & Felix , A.P.C. stating I have a outstanding balance with XXXX XXXX XXXX in the amount of XXXX dated on XX/XX/2024. I am unaware of this account. If in fact this company claim I have an account with them please provide a copy of a wet ink signed contract with both wet ink signatures binding any such agreement for my review. If your company fails to provide this copy in 15 days. Further attempts to collect on this alleged debt must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Equifax, I am following up on my previous request to remove unauthorized hard inquiries from my credit report, as per the Fair Credit Reporting Act. Specifically, I am referencing the hard inquiries dating back on XXXX XXXX, under the reference number XXXX. Under the FCRA, consumers have the right to dispute any inaccurate and unverified information on their credit report, including unauthorized hard inquiries. As I previously communicated, these hard inquiries where made without my knowledge or consent and thefore XXXX holdings XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX are in violation of my rights. I have not received any response to my initial request and I have reached out to escalate for this matter to be resolved fairly. Equifax is legally required to complete their investigation and provide the consumer with results within 30 days mandated by the FCRA which never happened. By Federal law, the disputed information shall be removed immediately from a consumer report. I have sent the proper documents Equifax has asked for to get this removed and still, no change. Equifax is supposed to do their due diligence. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: IL

Complaint narrative:
In XXXX of this year I checked my credit and noticed several unauthorized and incorrect items. On XX/XX/year> I wrote to the bureaus to dispute the items and have them removed. None of these people had a permissible purpose or consent to obtain my credit reports. To date, this credit bureau has not responded to my letter, nor has it taken any steps to rectify the errors and damages done to my credit. They are willfully disregarding my dispute. They are willfully reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I've been trying to purchase a subscription through Google pay using a couple different perfectly good credit cards. 
However Google pay has put a hold on my use of their monopolized online payment service, pending my submission of personal and financial information that doesn't concern them.

I don't have a Google bank account or credit card, and have canceled and deleted any games Google pay services.

Google does NOT NEED my information, yet they are holding my abilty to use their monopolzed online pay services hostage, in an attempt to extort my personal information from me. 

I see this as illegal " Pretexting '' under federal and state laws. 

The Gramm-Leach-Bliley Act ( GLB ) of 1999 requires financial institutions to protect consumer financial privacy, including information like names, addresses, and income.

State laws California 's Financial Information Privacy Act ( FIPA ) gives consumers the right to limit how financial services companies share their personal information. FIPA applies to banks, credit unions, insurance companies, and other financial services companies. 

Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information, and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. '' And I demand that something is done, and I am compensated for my losses of time, abilty to make online purchases, and loss of profitable financial opportunities, due to Google pays illegal policies, causing mental aggrivation and loss of potential profits.

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 2024-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a synchrony CareCredit card that had {$1000.00} limit. It was completely paid off and all of a sudden I got a notice that the card was canceled so I reached out to them and they said that they do credit checks every now and then and update their information and based off the new information they were closing my account, finally got a letter in the mail and they said the reason for it was because of the fact that I had a mortgage that I had not paid down and Ive only had my house for two years of the 30 year mortgage. How much supposed to pay that down more my credit is higher now than it was when I got the card. I had a Lowes card and an Amazon card as well and I just went ahead and close those out they were completely paid off. They had lowered them down to basically nothing so theres no point in having them they were notorious when I did on my Amazon card for, lowering my credit to just above what I owed so that it would mess with my actual credit score saying that it was almost maxed out

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 2024-07-20 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: FL

Complaint narrative:
There has been a record of disputes on this fraudulent account. I have reached out to both Experian Credit Reporting Agency and XXXX XXXX XXXX to provide validation of the account. I have no relations with XXXX XXXX XXXX XXXX and I have requested numerous of times for this alleged account to be removed from my credit report. I am a victim of identify theft. Experian Credit Reporting Agency are aware does have this updated in their records. Accurate information should be reported to my consumer report. Accounts that I have no knowledge of should be deleted from my consumer report. According to the FCRA credit reporting agencies are required to ensure the maximum accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) I also have the right to request information on how the account was verified. In this case both Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX has violated my consumer rights.

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today, I deposited a postal money order of {$1000.00} into my personal account ( XXXX ) at Bank of America because my local post office didn't have enough funds to cash it. The branch teller informed me that the funds would be available by XXXX, XX/XX/XXXX. However, later in the day, I received an email stating that the funds would be held until XX/XX/XXXX for verification. In a panic, I called Bank of America and spoke to a supervisor, who confirmed the extended hold. I requested the return of my check, explaining that I needed the funds to pay my rent, but they said they couldn't do anything. I need to file a complaint about the misinformation I received. Had I known about the hold, I would not have deposited the money order.

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 2024-07-20 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND 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 2024-07-20 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I contacted JPMCB to negotiate a settlement, they did not reply. 

My credit report says it is a charge off. I contacted JPMCB again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply. 

If JPMCB sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make improvements.

Company response to consumer: Closed with explanation