vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: OK

Complaint narrative:
I received a letter from Zions Debt Holdings ( of XXXX XXXX UT ) about XXXX weeks ago that they had purchased a debt from XXXX related to a XXXX XXXX XXXX account I previously had. They claim I owed a {$27.00} monthly monitoring service from XX/XX/XXXX. charge plus {$8.00} in interest and a {$60.00} late fee, and asked me to respond. I checked the box saying " This is not my debt '' and returned the form to them. About XXXX days ago I received a XXXX letter demanding payment and it also included a copy of my original contract. The contracted monthly service fee was {$34.00} and the contract EXPIRED in XX/XX/XXXX. 

Yesterday evening I received texts saying, that, if I did not pay by XX/XX/XXXX, they would report the debt to the credit bureaus. As I have communicated multiple times now, I cancelled that contract in XXXX or XXXX XXXX  XXXX. I have no idea where they would come up with a monthly amount of {$27.00}. The payment was always MORE than that on a monthly basis. I have never received any communication from XXXX or XXXX that owed them anything. They are demanding proof of my written cancellation from XXXX years. My current credit score is XXXX, which should give a pretty good idea that I don't walk away from amounts actually owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: United Revenue Corporation
State: TX

Complaint narrative:
I saw these XXXX accounts on my credit report. I have never received any information on this debt. This collection agency in in violation of my XXXX rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: WA

Complaint narrative:
My husband and I have an account with discover. He has XXXX so we used it for the hotel and lodging fees during his XXXX XXXX. We also used it to pay for the ferries and items from XXXX. We noticed that the balanced skyrocketed despite some items being returned and making large payments and balance transfers. So, I took a look at the statement. This is an instance of how our usual statements. One month we would spend about {$500.00}, we would pay {$800.00} or well over what was owed, and still end up owing a balance of {$900.00}! How is it even possible? We understand there is interest. We have other cards and we are fine with those. But, it seems that we were still charged interest on items that were returned and the interest seems to be excessive. So, I contacted the company and asked if we were charged interests for returned items. She could not help or answer my question, but only offered to give us 0 % interest on future purchases which also does not seem to have applied. There is some clear problem with this card and we would like an audit of our account and a return of the interest we paid for items that were returned and any interest in excess of what we signed up for. It is calculating at an interest of about 40 % although it is stating to be lower. We don't want anything extra beyond what is reasonable. We see there is a clear problem here that we are not experiencing with any other card company. They have promised 0 % interest on future payments, and we are grateful. But, the previous amounts we have already paid or transferred were incorrect and has caused a serious hardship that my husband is not able to take care of along with the hardship due to his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was hit with 2 fraudulent purchases on XX/XX/year>. 

It was for airplane tickets and a TV that were purchased based back to back. 

I became aware of these charges because best buy sent me an email saying I went in and picked up and order for a TV ( never made the order or picked it up ). 

I went to XXXX, reported the scenario and took all steps they requested of me. They took the charges off, said the case would remain open and they'd let me know, but no further action was required. 

Flash forward all the way to the middle of XXXX this year, and the charges for the tv were reapplied, but not the plane tickets. 

In the letter they sent me the same day, it claimed I, " benefitted from the purchase '' and have to pay it, but not the plane tickets?? 

I reopened the investigation, and was told it'd be open for 15 days ( starting the friday before presidents day ) and they would contact me for more info. 

I was contacted wensday the XXXX of XXXX, and was told the TV being delivered to my house is the reason I'm being accused of faking the fraud claim. They mentioned that no tracking number was found, so I told them how I received emails saying I picked it up ( I did not ). The caller told me, " email me those emails, and they can be used to prove it wasn't shipped and potentially reopen the case. 

I sent the emails, and within hours the same day they closed the case and said I'm 100 % at fault. So now I am to assume I was blatantly lied to over a recorded phone call, and they used those emails as evidence to close the case early. 

Now I'm left with a XXXX dollar tab on my credit card for a purchase I never made, and a federally insured bank thay refuses to help me with what is basically nothing to them in the grand scheme of things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 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: NV

Complaint narrative:
This letter is a formal complaint that you have reported erroneous and incomplete credit information. I am concerned that you have included the following information in my credit profile and have failed to follow reasonable processes in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting rules require bureaus to provide only 100 % correct credit information. Every step must be taken to ensure that the information supplied is entirely accurate and proper. As a result, the following information requires more investigation.

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 2024-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
They call and say their name and ask if they are speaking with me. I state my name and then they ask my date of birth. Taken aback I ask who they are. They condescend and say they are a company and ask for my date of birth again. I ask what company and they say portfolio recovery associates. I had a conversation with them at my old phone number of XXXX many years ago and when pressed they say it concerns a pay day loan from over XXXX years ago. How do they know that I changed phone numbers? And also I believe I am all paid to those lenders the last being XXXX XXXX. In prior conversation they laugh at me and say my pay check can be fleeced. Can you please help? They also call my elderly parents and former employer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2024, I contacted you to request an investigation into items that I suspected were fraudulent, erroneous, and falsely reported. I have only gotten a computer-generated letter claiming that the review of my credit reports has been stopped because you suspect I have engaged a third-party credit repair firm. I think this is a deliberate delay tactic on your behalf to give you an extra 30 days to fulfill my initial request, and I consider it a clear breach of the FCRA.

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 2024-03-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I contacted you to request an investigation into items that I suspected were fraudulent, erroneous, and falsely reported. I have only gotten a computer-generated letter claiming that the review of my credit reports has been stopped because you suspect I have engaged a third-party credit repair firm. I think this is a deliberate delay tactic on your behalf to give you an extra 30 days to fulfill my initial request, and I consider it a clear breach of the FCRA.

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 2024-03-01 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: TX

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
Consumer complaint received 2024-03-01 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: 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.

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 2024-03-01 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: 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.

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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been hospitalized since XXXX, in and out, and I have the necessary paperwork to prove it, including my discharge paperwork. I was finally discharged at the end of XXXX. Since then, I've been staying at my girlfriend 's house. Recently, when I tried to make an online purchase, I received an error stating that I only had {$40.00} in my account. I immediately called my bank, only to discover that {$22000.00} had gone missing, and they hadn't notified me once about any transactions. Even after calling them, more transactions were being taken from my account. That was my entire savings. I am suffering from XXXX XXXX  and I have to follow a very strict diet. I never authorized anyone to access my account, and today, XX/XX/2024, I received a final credit of {$300.00}. 

I urgently need your assistance. I have no money for rent or groceries, and I have also filed a police report. I don't understand why all my account notifications were turned off, preventing me from being notified about every transaction. I was treated with disrespect, and as a XXXX  XXXXXXXX XXXX XXXX for 20 years, it's appalling to be treated in such a horrible way.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I deposited a 3 large stacks of cash, the ATM took the first stack and deposited it. When it came to the second stack the ATM crashed and said error I then went inside to deposit the 3rd stack of cash. I let the teller know what had happened and they said they submitted a claim and that they would reach back out in 48hrs. It has been weeks with no call or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-01 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.

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 2024-03-01 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 am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file.

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