vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: SC

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.

The letters are stated with items and issues.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: MD

Complaint narrative:
We received a Square debit card with my name and address and a company I had never heard of. This suggests that someone opened a checking account with Square using my identity information. When I called Square to report it they said they didn't have a fraud department and didn't issue credit cards because they were a payment processing company. That was obviously not true since I had a card in front of me so I escalated until I spoke with someone who took my information and said they would look into it. They said they were unable to give me any information on the account, would not notify me about what happened with the card, and there was no way for me to call back and check in the future. So I'm supposed to just trust that they will do close the account when the " customer service '' person I spoke to didn't have any idea how to handle it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TX

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 3rd paty.They in fact did not come from a 3rd 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 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 2023-07-26 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: TX

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 3rd paty.They in fact did not come from a 3rd 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 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 2023-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
As I have stated, I have no knowledge of the account and do not claim ownership of the debt in question, in spite of the documents the company has enclosed. In response to my initial letter to the company disputing the validity of the account, I received a notice threatening to sue me for a balance I do not owe on an account that does not belong to me. 

I have a fraud alert on my credit report, which has been in place since 2017. Since then, unfortunately, my name, address, SSN, and other identifying information have been compromised numerous times. 

Again, I have no knowledge of this account. During my initial dispute with the credit bureaus, this item was removed from my credit report as the account. Months later, it repopulated and I was never given any information regarding why it was being reported again. I have filed another dispute with all three major credit bureaus, as per the Fair Debt Collection Practices Act : 809. Validation of Debts and Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. As such, again, I am requesting that this account be deleted from my credit report immediately as the account is not mine and due to non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Kohl 's Capone {$630.00} XX/XX/2016 7 years and 3 months. They also continue to report to all three credit bureaus even though it's past 7 years old! I've repeatedly written letters to credit bureaus. This is a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc

Complaint narrative:
My Buisness Account got suspended 3 months ago for no reason ( " violating the AUP '' ), freezing a balance of about XXXX. 
They claim it will be hold for 180 days and probably deduct some. 
XXXX from any review I've read on the matter, I have no reason to believe PayPal will ever give me back my funds and or my account, without legal help. 

PayPal never bothered to ever send a notification nor did they provide an explanation of why they did so. I never even had the chance to defend myself or try to prove my innocence. 
Every time I try to confront them they just dodge the case, replying with automated messages and sending me from one agent to the next. 

I've been on PayPal for 10 years, and neither I've ever acted against it's rules nor is my buisness Illigal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Unacceptable wire transfer processes at Bank of America and XXXX XXXX Dear Sir/Madam , I hope to get some help regarding a wire transfer issue related to the sale/purchase of a property. This was a sale by my daughter and her husband to my son and his wife. I am a CA-licensed broker who represented both in the escrow. I also loaned money to my son and his wife to purchase the house. 
On XX/XX/XXXX, I wired {$340000.00} ( part of my loan ) from my Bank of America trust account to my daughter 's trust account at XXXX XXXX ( same day wire ). The wire routing number was wrong ( ACH number instead of the wire routing number ). I realized this two days after I wired the amount and notified my BoA wiring department. They claimed that the money was with XXXX XXXX already and XXXX XXXX claimed they didn't have it. After two days, XXXX XXXX admitted that the wire was held up in their wire regulatory department. The regulatory process supposedly was for the BoA and XXXX XXXX wire departments to message each other, each transaction stated to be a 48 business hour transaction. No closure timeline was given! 
After 7-10 days, I asked for alternatives to get the money back in my account. My son-in-law visited his XXXX XXXX branch manager multiple times and I visited my BoA branch manager multiple times. They recommended I recall the wire, and I did. A few days later, XXXX XXXX agreed to deposit the wire into my daughter 's account if I cancelled the recall notice. I did. Unfortunately, this recall got caught in the wire departments ' messaging process! At my son-in-law 's request, XXXX XXXX eventually returned the wire amount to BoA on XXXX ( last Friday ). Now, BoA says it could take 3-5 business days to be in my account! It is 5 days later and BoA is now telling me it could take another 2 days! 
A same day wire has been held for 21 days ( and counting ) with no reasonable process to correct the routing number issue. Meanwhile, I had to borrow from my home equity line ( at an interest rate of over 7 % ) to close the escrow. 
Can you help me understand how you can hold these banks responsible for this deliberate withholding of consumer funds with an inexplicable process? 
Regards, 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 monetary relief
Consumer complaint received 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please Help! 

I deposited 2 checks from XXXX into Chase Bank. However, Chase Bank is not able to verify my checks. I have all the documents and I called XXXX customer service multiple times and XXXX 's back office is able to verify everything. Somehow Chase Bank can not verify my checks. So right now, I can not use my fund, I am not able to withdraw and not able to use it. One check is {$16000.00} and another check is {$3600.00} total is about $ XXXX. This issue happened over 2 months and really affect my life. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XXXX, I sent XXXX to my contractor from my business account XXXX XXXX XXXX at XXXX XXXX XXXX to my contractor 's business account - XXXX XXXX XXXX at Navy Federal Credit Union. Owner of account is XXXX XXXX. Because she wasn't able to receive the funds, I did a wire recall with XXXX wire department. After months of waiting, I decided to do a XXXX report and XXXX was able to get the funds back, upon receipt, they said Navy requested the funds back, I called my contractor and she said she never did a recall to get it back. XXXX has sent my funds to navy and Navy is stating it was sent the wrong way so they are holding on to my funds- which is theft!!! I've been waiting for a few months for this to be resolved and it isn't so now I'm reporting Navy Federal for stealing my MONEY!! 

XX/XX/XXXX XXXX XXXX sent my funds back to Navy Federal, below is the info : IMAD # : XXXX TRN # : XXXX The original case # with XXXX is : XXXX I would like to know where my funds XXXX sent to Navy is and I want Navy to send them back to my Business XXXX account so XXXX can give me my funds!! This has caused me pain, suffering, and stress for my business. I am reporting Navy and XXXX for not resolving this matter. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: CT

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I discovered an unauthorized credit card account listed, which does not belong to me. I believe this is a result of identity theft and, as a responsible consumer, I feel obligated to take immediate action to rectify this situation.

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 2023-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company has responded to my last complaint " verifying '' the account. United Revenue Corp has not provided me with any documentation on this account. This is not my debt. Although they claim I owe this debt, they have not provided any proof that this is my debt. I have already given this company notice that this account was opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: NH

Complaint narrative:
On XXXX XX/XX/2023 my wife attempted to book a room at the XXXX XXXX, XXXX NY using an on line booking service. The booking was made through a third party, possibly XXXX, although on line it appeared that she was communicating directly with the XXXX XXXX. 

Immediately after the booking had been made my wife received an email from Chase Fraud Alert. The email referred to a transaction with XXXX XXXX , and indicated that it had been declined. She was given the option of confirming that the transaction was legitimate, and trying the purchase again ; or of denying that it was legitimate. As the notification came from Chase Fraud Alert, and the amount shown was much greater than what had been indicated during the booking, {$1800.00}, my wife selected the No, somethings wrong option. Our Chase cards were immediately cancelled. Note that the email stated that the transaction had been declined, and that we would not be charged unless we tried the transaction again. 

Over the next few days my wife contacted the desk at the XXXX XXXX to make sure they understood that we wished to cancel the booking. She also called Chase customer service to make sure Chase understood we would not be staying at the XXXX XXXX and did not expect to be charged. The third party that handled the booking was very difficult to locate and contact but she did eventually speak to someone who claimed to represent them and advised them that we wanted to booking cancelled. 

Although my wife notified Chase, the XXXX XXXX, and the third party booking agency that we would not be staying at the XXXX XXXX and that we wanted the booking cancelled we were still charged for the room. My wife disputed the transaction with Chase via Claim ID XXXX, but Chase decided in its own favor that the transaction was valid. We disagree. 

In summary - Chase Fraud Alert notified us that the transaction might be fraudulent and we moved to cancel it immediately - Chases email said the transaction was declined and that we would not be charged - My wife notified everyone involved in no uncertain terms that we wished the booking cancelled - We never stayed at the XXXX XXXX, XXXX NY - Chase charged us {$1800.00} anyway, and when we disputed the charge they declined to cancel it Attachments ( 1 ) copy of email from Chase Fraud Alert ( 2 ) copy of letter to Chase regarding disputed transaction ( 3 ) copy of letter from Chase regarding disputed transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
the company placed on my credit report approximately 2 years. I called them a year later, they said that the phone call is being recorded. I asked them, if I pay the full amount regardless if it's correct or not, will you delete it entirely from my credit report, their answer was yes it will be deleted, so I went ahead and paid the amount. I realized recently that it's still on my credit report showing as paid. I called them and a guy with the name XXXX de XXXX answered the phone, when was told the story he denied it completely so I told him that I was told that everything is being recorded, he replied that's correct, I told him to please pull the recordings to hear the conversation, his answer was sure just give me few days and I will have the recording for you. I called back few days later as was told, same XXXX answered the fun and at this time sounded agitated and told me to give me additional few days. I told him that he wasn't paid the legal way because he scammed me into paying without doing what was promised and want to have it either deleted or i want my money back. If he lost the recording then it's not my problem and I don't need to be mislead. XXXX then hung up the phone on me. I then went to all three buraus but they closed the case as accurate without giving me the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy. I havent gotten a response in over 30 days.

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 2023-07-26 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: IL

Complaint narrative:
Transunion and XXXX continue to report inaccurate info on my bureaus the following accounts are a result of identity theft and should be remove immediately XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX firstly the addresses that the accounts are reporting I never lived at those addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and XXXX XXXX XXXX # XXXX XXXX IL XXXX the name that the accounts are under XXXX XXXX I did not authorize him to st up any accounts under my social security number. I need these accounts removed immediately I have reached out to the four companies several times asking for a signed agreement between myself XXXX XXXX XXXX and the mentioned companies none of them were able to provide a signed written agreement. I need these accounts removed immediately or I will be obtaining legal counsel for a lawsuit.

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