vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXXXXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX  I deposited a check from XXXX  for the amount of {$2100.00}. I work for the XXXX XXXX XXXX  and XXXX  is my retirement company that the XXXX uses. I was attempting to transfer money to my other retirement XXXX. XXXX  is an online account and does not accept checks. So I deposited the check ( i still have the original check ) and was going to move the money to my account. I have done this in the past and did not have any issues. Chase Bank depsoited the check which I later learned they should not have done and then seized and froze all my accounts. 

I have gone in directly to chase branches and tried to get my money moved back to me, XXXX XXXX XXXX For close to a year now I have been fighting with the chase to release my funds. I have talked to associate bankers, supervisors, and branch managers and still have not been able to do anything. I have been kicked out of branches and have been hung up on multiple times when dealing with the chase. 

In this l last round I was instructed to gather documents from XXXX providing its my money and giving my authority to receive the check or have it sent to XXXX. I provided all documents requested and can prove that the money is mine. I gave all requested signed documents to Chase and now they are saying they can't accept the documents and need a phone number for XXXX to verbally verify. I have provided every phone number I can find for XXXX  including their main number XXXX XXXX. Chase bank says they can not verify the number and refuses to call. When asked how I'm supposed to get my money I receive the answers I don't know, I am unable to answer that question, or They transfer me and then hang up. 


During this whole process, I have been laughed at, yelled at, and disrespected. I know this sounds like an exaggeration but it really isn't. and I know generally {$2100.00} isn't a lot of money but I've spent years trying to put that money together for my retirement. I struggle and try to do my best but Chase is putting me in a corner and not giving me any options. I've looked at legal options and I can't afford a lawyer to help me. I have all the original documentation, emails, and conversations. Please any help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
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.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XX/XX/23 I received an alert for application on credit report. I didnt apply for XXXX XXXX I only did the prequalified application which shouldnt have affect my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: KY

Complaint narrative:
I sent out a debt validation letter on XXXX and haven't heard back from the agency. This is not a debt I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
On XXXX XXXX XXXX my husband attempted to make payment on a reported debt for which they had frozen his XXXX account for {$63.00} in taxes on a vehicle in which we no longer own. NCC refused to take payment from him. The representative, XXXX XXXX, once I was on the line with them demanded Personally Identifying Information from me to which I told her she was not legally allowed to demand. I also gave permission for her to take payment from my husband to which she refused again. I called back and got another representative, XXXX, who assured me that they did not need PII and I was able to make the payment without issue. It was then that I realized that XXXX XXXX was attempting to get the information for the purpose of identity theft. This should be investigated because other people may not realize that they do not have to give PII to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
i seen this account on my report i disputed it i sent all the requiring documents proof of address and police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i seen this account on my report i disputed it i sent all the requiring documents proof of address and police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I have submitted documentation for XXXX multiple times to MOHELA without any acknowledgement or approval. Previously denied despite appropriate signatures and supporting documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hello- I am troubled by the behavior of Kia motor finance. Three years ago I leased a car from them. We moved addresses twice from purchase until now. In XXXX, Kia marked my credit record with five consecutive late payments, and three more this year. I paid all payments on time. Kia never mailed or emailed me any information letting me know payments were late. I called several times to ask them to remove the erroneous info but they refused to do so. They have acted predatorily. According to them, a tax on the car ( not sure why I am responsible for paying it if its a lease and I dont own it ) was paid by Kia because XXXX  assessed a tax on it ( which I did not see/ get due to my address changing ). This then caused one payment to be late from my auto debit. Somehow they have marked every subsequent payment late even though it was on time. My credit score has been horrendously damaged going from XXXX down to XXXX. Please make Kia tell the truth and fix this issue with the credit bureaus.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX I am the executor over XXXX XXXX XXXX. I have a complaint against Bank of America. XX/XX/2022 someone stole her check book and multiple people wrote checks that totaled $ XXXXShe contacted Bank of America in XX/XX/2022 to report what happened they gave her the run around. She contacted XXXX XXXX XXXX he works with Adult Protective Services to assist her with resolving this matter. He also contacted Bank of America and helped XXXX submit multiple claims to make sure that all the checks had been reported. Checks were also written on her ex husband XXXX XXXX and they refunded his money but did not refund XXXX 's money. Unfortunately, XXXX died XX/XX/2022 from a XXXX she was stressed out because of this situation. When she died I went to Bank of America in XXXX XXXX to see how we could get this matter resolved spoke to XXXX XXXX XXXX she told me that she remembered her coming in and reporting what happened. She told me that we had to get letters of administration before she could give us any information after we went through probate to become executors over her estate I went Back to bank of America. she gave me the estate departments number and told me I needed to contact them XXXX. I spoke to a XXXX she told me that they denied her claim because per their deposit agreement disclosure it requires customers to review their bank statements within 60 days which is not true she checked and reported those checks in XXXX the police report was filed XX/XX/2022. I have several claim numbers showing where she filed a claim to get this resolved she spoke with a XXXX and XXXX in the fraud department XXXX, XXXX, XXXX, XXXX. I have attached a copy of the police report people were arrested. She was an XXXX Veteran and a faithful customer to Bank of America it a shame to know that this is how they treat their elderly XXXX customers.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Credit Karma , LLC and XXXX regarding the recent closure of my XXXX line of credit and their disregard of my notice for arbitration. I believe that both companies may have violated consumer protection laws, and I am seeking your assistance in addressing this issue. 

Here are the details of my complaint : Background : I had a XXXX  line of credit that I responsibly managed for one year, making on-time payments and demonstrating good financial behavior. 
After Credit Karma acquired XXXX, I received a notification informing me of the closure of my line of credit. However, the notification provided inadequate explanation for the closure, leaving me with unanswered questions. 

Notice for Arbitration Disregarded : In response to the closure of my account, I exercised my right to initiate arbitration proceedings by sending a notice for arbitration to Credit Karma , LLC as stated in their terms of use.Despite providing proper notice and following the required procedure, Credit Karma , LLC disregarded my notice for arbitration and failed to engage in the arbitration process. 

Negative Impact : The closure of my XXXX line of credit and Credit Karma 's refusal to address the matter through arbitration have had a significant negative impact on my financial well-being. As a result of the closure, my credit score has dropped by XXXX points, making it difficult for me to secure loans or obtain favorable credit terms. This adverse consequence has hindered my financial opportunities and caused undue financial hardship. 

Violations : I believe that Credit Karma , LLC  and XXXX XXXX have violated consumer protection laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Consumer Financial Protection Act ( CFPA ). By disregarding my notice for arbitration, Credit Karma , LLC may have violated the terms of their own agreement and denied me the opportunity to seek a fair resolution through the appropriate legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief