vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: GA

Complaint narrative:
My bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX 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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm announced me as deceased to XXXX. I filed a dispute with XXXX who stated the information is accurate. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, {$15000.00} was stolen from me by fraudulent methods through the Bank of America in XXXX XXXX. I wired funds to that bank as payment for a car that was to be delivered to me in Virginia. No car was ever delivered and the parties I was working with to complete the transaction no longer exist. I am attaching my original complaint form that I submitted to the XXXX XXXX XXXX XXXX  ( XXXX ) in XX/XX/2021 that has all the details of this event.

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 2022-04-07 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: NJ

Complaint narrative:
I am a victim of identiry thef. The following information on my report that needs to be deleted. Please delete these as soon as you can. 

XXXX CARD ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - XX/XX/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 2022-04-07 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: NY

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. 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 2022-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I paid my credit card on time using the online payment system. The following day, on XX/XX/XXXX, I checked the online information and saw a red letter notice that my payment had not been received. I then scheduled the exact same payment again. Concerned that there might then be a double withdrawal from my account, I called Chase customer service which informed me that there had been an error. The customer service representative assured me that only one payment, total amount of {$520.00}, would be withdrawn. This morning at XXXX XXXX  I received notice that my account was overdrawn due to two duplicate Chase payments of {$520.00} being made. I contacted Chase again and was told by XXXX in Accounting that Chase was not in error and that I would not receive a refund of the duplicate payment for 3-7 business days. He claimed that he was the most senior person in his department and was only able to offer the mailing address of the executive office if I wanted to discuss the issue with another individual. 

This is not the first time I have had a problem with Chases online billing system. Clearly, other customers must have had similar experiences, but Chase has not improved their technology. I notified Chase prior to any withdrawal from my bank, but the credit card company still withdrew a double amount. Now I am faced with possible bank overdraft charges and do not have sufficient funds to pay my other bills due to a refund delay. Chase has {$3.00} XXXX in assets but is unable to put {$520.00} back into my bank account sooner than 3-7 business days? This is simply absurd. Moreover, XXXX incorrectly stated that Chase had not made any errors and he was either unable, or unwilling, to let me speak with his supervisor, leaving me with little recourse. I realize that I am just one consumer and Chase is a massive financial institution, but I still have a right as an American citizen to fair and just business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I originally submitted a request to Transunion and the other credit bureaus in XXXX XXXX XXXX  to delete erroneous personal information on my credit report. XXXX and XXXX were really good about taking care of my request. Transunion took almost 2 months to do anything ( previous CFPB complaint ). On XX/XX/XXXX I called Transunion about a name on my report that does not belong to me. They said they could not do anything about it. The name is XXXX XXXX XXXX. I have never used this name in ANY context. Transunion needs to remove this from my credit report or PROVE that I ever used this name. 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 2022-04-07 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: DC

Complaint narrative:
n accordance with the Fair Credit Reporting Act Fair XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Account # XXXX XXXX  Account # XXXX 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 2022-04-07 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: IL

Complaint narrative:
In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dept of education/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission

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 2022-04-07 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX is trying to charge me for cable service after I moved to XXXX and my tenant had occupied my home in XXXX  and had XXXX XXXX XXXX cable/internet installed. They were suppose to disconnect service on XX/XX/XXXX. I have told them that I was not there and have proof of being in XXXX and of my new tenant having XXXX XXXX XXXX installed within a few days of my move. This is now hitting my credit report. The amount is for XXXX. Any assistance would be greatly appreciated.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is not showing that I have any credit all. There is nothing on my Equifax file at all. XXXX and XXXX both have my correct credit files with over a XXXX score. 

Equifax almost kept me from getting my mortgage for my new house and HAS kept me from getting a loan to make some improvements on our new house. 

I have called them multiple times to try and fix this and they have said it is my fault that they do not have my accounts on their file. Anytime I ask to speak to a supervisor I get put on hold being told it will be a few minutes. I ended up being on hold for over an hour and a half and eventually hang up with Noone having ever answered. 

This is not an error or mistake on my end it is definitely the fault of Equifax and needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There were XXXX unauthorized charges of {$500.00} made on XX/XX/2021 through XXXX for XXXX XXXX using my debit card. We immediately contacted Chase Bank and they began to research these charges. On XX/XX/2021 they sent us a letter stating that the transactions were processed correctly or authorized and withdrew the {$1000.00} from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a checking account with Truist Bank online. After a few days my account was locked for so called fraud prevention. I disagree there has been any fraud as I've verified all the information they've asked for. This appears to be unnecessary consumer harrassment. To unlock my account I'm being asked to go to a physical branch to get this resolved. There are no physical branches within XXXX miles close to my address but they do not seem to care about this. To resolve this, I've also proposed multiple options including providing more notarized information to verify my identity and to go above and beyond what they need. I've asked to speak to a supervisor multiple times, but no luck. 

If they require someone to walk into a physical branch, they shouldn't allow customers not within XXXX miles to their branch open an account online with them.

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 2022-04-07 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: DC

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX  Account # XXXX 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 2022-04-07 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: EQUIFAX, INC.
State: DC

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Someone pay me thru my paypal account at first they put on pending and hold the money until 21 days to my suprise today i got an email from paypal saying that i can no longer use paypal they put to hold until 180 days mu money i dont do gambling and i dont violate any thing i badly needed my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I applied for an apartment unit at XXXX XXXX apartment complex. I paid for the application fee online, using the website provided by XXXX XXXX. My application was later denied. A couple of days after the denial, I received a letter ( dated XX/XX/2022 ) from XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, the managing company for XXXX XXXX. Within the notice is a stamp from XXXX, noting that we have the option to dispute the disposition by submitting in writting within 30 days to XXXX. XXXX claimed I still owed the applicaiton fee of {$50.00} and a returned check fee of {$50.00}. On XX/XX/2022 I sent my written dispute via email to XXXX, to dispute the payment being returned. I requested for proof of returned payment. I also informed her to provide a response to me within 30 days of receiving my payment dispute. I never heard back from XXXX, neither by phone, mail or email. I sent another email on XX/XX/2022, and again on XX/XX/2022, with no response from XXXX. I contacted XXXX XXXX ( spoke to XXXX XXXX and she informed me I was following the right protocol by emailing XXXX with my dispute. It was yesterday XX/XX/2022 when I learned that my credit was affected and it showed the {$100.00} balance was in debt collections with XXXX XXXX. I sent XXXX another email, and this time I included the CEO of XXXX XXXX XXXX, XXXX XXXX, and finally, after multiple attemps of trying to reach her, she responded to me. This is months later, after my first initial email. XXXX didn't even glance at my dispute, she immediatly said I owed them {$100.00} and the only way to resolve is to pay. Not once did she ask me for proof to show the payment wasn't returned. I replied back to her and the CEO to explain I was still disputing this payment, I even offered to send bank statements. As of today, I haven't heard back from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Sunbit, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor Sunbit and was informed that the account was opened at a car dealership in California. I was given an account number for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXXXXXX XXXX XXXXacct # XXXX 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 an 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