vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
XX/XX/XXXX PURCHASE XXXX - Cleared - {$20.00} ) This payment occurred even after I canceled my card 2 days earlier XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX / XXXX, XXXX XXXX Cleared - {$37.00} ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX, XXXX - Cleared XXXX {$43.00} ) This prepaid card I dont see how they are still in business Even after canceling my card there has still been fraudulent charges to my account I have no idea who is Ive never given my card number out ever so Im just mind boggled how is someone using my card account there now have been 3 unknown charges on my card I have no idea how I canceled the card on the XX/XX/XXXX amd there still was another transaction on my card from a atm and the company Conduent Corporation in the United States and/or other countries. Conduent is the payment solutions provider for Go Program. that provides unemployment benefits for my state and they are just terrible theres been many complaints about how people have been screwed out of their money and they have it to where you cant get thru to no support specialist because I promptly had cancelled my card when I found out there were fraudulent charges so I tried to call into customer service and there is absolutely no way you can get to no customer service all it says is your card is scheduled to arrive in 5 business days then instantly hangs up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Told them these are fraudulent accounts n I did not open them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Please remove the inaccurate records being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This debt was sent to the XXXX XXXX XXXX XXXX XXXX AND WAS PAID. I do not owe this debt. I moved out of this complex prior to this debt being owed, they rented this property out therfore I do not owe a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: NC

Complaint narrative:
I purchased merchandise from XXXX XXXX and used Klarna to pay in XX/XX/2023. My installments were linked to my debit card ending in XXXX connected to my XXXX XXXX checking account. On XX/XX/2023 I returned the merchandise in store. I contacted Klarna several times after that date because my refund was not reflected on my payment plan AND Klarna was still holding me responsible for the balance of the purchase. Due to how the refund was processed my initial payment of {$360.00} was applied to other purchases I made using Klarna as my payment method but Klarna never XXXX 'd out the purchase and it is still showing as owed by me. Klarna has attempted to debit my account for this purchase and has charged me late fees and sent the balance to a collection agency who harasses me daily. I ask that Klarna contact the collection agency, reverse the charges and have them stop all collection attempts on this account. I am no longer responsible for the balance on this account. I returned the merchandise in store. I have always paid all past accounts with Klarna never having a problem until I returned merchandise for this purchase and others due to how their system processes returns. 

I also request my credit history not be affected by this bogus collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have potentially fraudulent " late payment '' flags on my Experian score and only my Experian score. Customer support and their Dispute Center will not disclose to me who reported missing payments. 

I've both emailed and called, and have spoken to half a dozen people. I've been hung up on, transferred around their call centers, and have been told to " hire a financial consultant '' on repeat. 

There does not seem to be any mechanism to hold them accountable, or to force their hand to provide basic information like this relating to my report. I also can't file a dispute for this through their system, as I'd need to know who reported late payments to do so, and which they won't disclose.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a dispute with Chase Bank, which I believe may involve violations of consumer protection laws within the state of Florida. 

I received communication from Chase Bank regarding a disputed credit card account allegedly associated with my name. Despite repeated requests for documentation and evidence substantiating their claims, Chase Bank has failed to provide me with sufficient proof of account ownership or liability for the charges in question. 
The communication from Chase Bank, suggests that they have concluded their investigation and are holding me responsible for the charges on the disputed account. However, I have not been provided with any documentation demonstrating my connection to this account, such as signatures, emails, or other relevant information. 
I believe that Chase Bank 's actions may violate several state laws and regulations governing consumer financial transactions, including but not limited to : Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), Chapter 501, Part II, Florida Statutes, which prohibits unfair or deceptive acts or practices in trade or commerce. 
Florida 's Consumer Collection Practices Act ( FCCPA ), Chapter 559, Part VII, Florida Statutes, which regulates debt collection practices and requires debt collectors to provide accurate information to consumers.

Florida 's Identity Theft Protection Act, Chapter 817, Part II, Florida Statutes, which establishes procedures for victims of identity theft to dispute fraudulent accounts and charges.

I respectfully ask that you provide guidance on the steps I should take to protect my rights and interests in this matter. I am prepared to provide any further information or documentation that may be required to assist in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America offers horrible service. Ive banked with Bank of America for a long time. Things were not as bad in the past. The problems began when I requested a second ( Travel ) credit card from Bank of America. First, I never received an incentive I was promised for getting the card. Second, my automatic payments stopped working on both cards and I was being charged fees that I had to get waived on several occasions. After countless phone calls and customer service representatives telling me that everything was resolved, Bank of America is literally stealing my money by charging my checking account twice on the same date ( XX/XX/2024 ) and for the same amount ( XXXX ). Again, long waits, phone menu loops, time on the phone to resolve it. The last XXXX assured me that everything was resolved and that I would not have any problems. Since my phone calls I never got a refund for the second charge of XXXX, my account got charged twice again on XX/XX/2024 for XXXX and my credit card stopped working. Besides horrible customer service, these unauthorized charges ( theft of my money ) would have been successful if I had not discovered this problem and spent an enormous amount of time trying to correct the problem Bank of America should be responsible for. I would no longer recommend banking services offered by Bank of America due to the quality of services they offer.

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 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
I review my account online. It states a certain payment for my loans. I receive statements with different amounts and when I pay what the statement says I then receive past-due notices for different amounts. I have only asked them to provide me with a payment and a due date and it is never consistent and I can't get any information regarding repayment of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. 

XXXX. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX  XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delte the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. XXXX XXXX XXXXXX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B

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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I received an email. I didnt open it up. I just XXXX  XXXX. Customer support got XXXX customer support and they said there was a problem with their end. Theyd call me right back. They called me right back. It says XXXX somebody was trying to deduct {$390.00} usually I dont respond, but it was from XXXX and I didnt open up the email. I XXXX  customer support that was a mistake because I didnt get customer support. I got somebody that said they were customer support. They gave me a phone number that was one number off of Coinbase number they got into, my account and drained everything but {$53.00} I cant access my XXXX XXXX  XXXX account therefore anything I cant trust because they have me completely locked out and they just want me to log into XXXX so they can get back into my phone. its not gon na happen Coinbase Has been no help whatsoever. Im going to report them to the XXXX XXXX XXXX as I have contacted them to email by phone even a handwritten letter and I cant get no help. Is it because Im not whale its principal of me its not the money but I had money in Coinbase in bitcoin and it was just starting to make money and I tried to get Coinbase to lock my account but by the time I got to all the hoops, theyve already got the money and were gone in Coinbase hole. Theres no way we can track it, you knew there was a problem. Thats why I couldnt have been able to contact you because youve been hacked and youre not telling the public to the biggest youre not the safest you got ta be logged in to talk to somebody in support if you cant log into your account, you cant talk to Support, thats worthless one to lock all accounts immediately because these speeds of these transactions are so fast to be able to lock your account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MS

Complaint narrative:
Remove inquiries from equifax and XXXX credit report from XXXX XXXX. I did not authorize my credit to be ran by this dealership. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-29 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: TX

Complaint narrative:
I have diligently disputed inaccurate information reported by TransUnion, XXXX, and XXXX on my credit report. Despite providing detailed accounts and outlining the violations against my consumer report, these credit bureaus have neglected to respond within the mandated XXXX timeframe. Attached are copies of all letters sent, evidencing my efforts to rectify 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 non-monetary relief