vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: KY

Complaint narrative:
XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about 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 non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX are in clear violation of the LAW. Under 15 USC S 1681b -permissible purpose of consumer reports, The law clearly states the following, ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer ro whom it relates. Did I give any of those reporting agencies written instructions to furnish the accounts on my credit report? The answer is simply No. Furthermore, the Fair Credit Reporting Act 15 USC S 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report : Which would mean my Utilization was never supposed to be furnished on my consumer report ever.

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 2023-01-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on XXXX ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had one on XX/XX/2023 from a XXXX - XXXXXXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with XXXX and XXXX. So I am confused on how I keep getting hard credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was contacted about a loans for {$5400.00} that Check n Go disbursed in XXXX in my name. I did not apply for any funds from check n go. I explained that to them and asked for paperwork, signatures, account information that the funds were deposited into as well as a copy of the identification used to get these funds. They have never sent any of the documentation that I requested. There has to be concrete proof of this transaction somewhere.signatures, for matching purposes, an account that these funds were deposited into as well as a copy of the identification that was used to complete this transaction. This was fraud/identity theft. I have been advised to file a police report but I do not have any documentation to support my filing. I called the debt collector ( XXXX ) request information and was told that I would emailed information that they had on the account. I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX I am a business owner in XXXX XXXX Ca, I have been using Square to receive payments from my customers for the past few years. I had a customer dispute a charge for a service I had rendered. Upon the customer setting the dispute into motion XXXX then deducted the disputed amount from my account and have been holding these funds ever since. I was then told by XXXX to contact my customer to resolve the issue. They then told me once the customer cancelled the dispute, for me to inform them of this and they would then confirm that with XXXX and my money would be promptly returned to my account. 

I then reached out to my customer to find out the issue. There was a misunderstanding on their part and so upon speaking to them and resolving the issue they then called their bank ( XXXX ) to cancel the dispute the same day they made it ( XX/XX/XXXX ). I then on that same date notified Square of this. I was told by numerous representatives there that they had all the information they would need and that in 3-5 days it would be placed back in my account. 3 weeks later this still has not happened. I have spoken to so many different reps there I have also provided proof from XXXX themselves that this issue has been resolved and still nothing has been done to return my money. I only get the line that they are going to escalate the issue. It has even gotten to the point that the customer has offered to pay me again because they feel bad about it all. So they are offering to pay me another {$2600.00} just to make me whole. This issue has taken up a lot of my time not to mention has thrown my bills and finances into total chaos. I just felt I needed to file this complaint against this company as I feel I am being taken advantage of. 

I thank you for your time and help Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
What happened? 

I filed a dispute with TransUnion on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. 
Account no. : XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 

2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. 
After doing my research I found inaccuracies on the report still, even after they did their due diligence. 

Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type DEBT BUYER Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me 1.5 % extra because of this inaccurate information.

In accordance with the Fair credit reporting act convergent the above account has violated my rights. 

15 U.S.C 1681 section 602A : 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. 


Thank You Warm Regards 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 2023-01-27 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:
I have called numerous times and disputed with three credit bureaus and XXXX XXXXXXXX XXXX as re-aged my account and the credit bureaus are saying that the dates are valid. Also contact company the company will not provide me with any information although I have tried serval times, my XXXX even shows 2016 1st date of delinquency but XXXX does not is shows a later date so it may remain to ruin my credit longer but they did remove it. I have tried to get them to give me my personal information after verifying who I am and they are still not willing to help in fixing in formation on credit report they all say information is valid with out proper investigation. 
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

The other two major credit bureaus XXXX and Transunion also did nothing to investigate only wrote notes as though they were valid no investigations were done if they were the would know this account was opened and 1st date delinquent in 2016.

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 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I noticed a fraudulent money transfer from my checking account at Chase Bank for {$400.00} to a company/entity referred to as : " My Love # # # # # # # # # # XXXX ''. I did not authorize or make this money transfer. I filed a claim with Chase Bank. The Chase Bank representative advised me to go into my local branch and discuss with them what I should do further. I was told at the branch to change my account number, my username, and password, which I did. I was also told that the {$400.00} was put back into my account and all was taken care of. I received a letter posted XX/XX/2023, that an investigation had been initiated regarding my claim. I received another letter posted XX/XX/2023, that my claim had been investigated and it was determined that I had made the money transfer myself and on my device. I called the Chase Bank claims department again and after speaking to a supervisor, was told that a new investigation would be started and that I would learn of its outcome within XXXX - XXXX business days. I called back today, XX/XX/2023, and was told that there were no grounds to re-investigate my claim and that I had made the money transfer and it was made on my device. During my research regarding this situation, I discovered that banks can only keep {$50.00} of a fraudulent money transfer and that it is only possible, if I had taken over 60 days to report the the claim. I did not take over 60 days to report the claim. I am XXXX, elderly, and a shut-in. I do all of my banking online with Chase Bank. No one else has access to my account or my computer. Either Chase is cheating me or I have been hacked. Either way, I did not make or authorize this money transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my credit card accout without notice. 

I submitted a CFPB complaint and they responded stating it was due to 3 failed external transfers and no minimum payment done.

Response was well written and executed, but Wells Fargo forgot to mention that I went in to a branch personally to SATISFY the months payment in cash since I knew the external transfers where going to bounce since they had been done in error. 

They also forgot to mention that I called Wells Fargo customer service number explaining this and the representative REMOVED the FREEZE from the EXTERNAL ACCOUNT they supposedly closed my account for. ( Phone Call Recording Should Confirm This )

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 2023-01-27 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX has the wrong information up for me for public view and wrong relatives that I dont know and my name is also wrong also someone keep going on my credit report and changing things without my consent

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 2023-01-27 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank continues to let the XXXX XXXX XXXXXXXX bill my Truist credit card despite my repeated communications to both organizations that the charges are not authorized. 

In XX/XX/2022, I noticed that the XXXX XXXX had been charging monthly charges ( $ ) to my Truist credit card. Neither I, nor anyone in my family has any recollection of setting up the subscription. That month, I contacted the XXXX XXXXXXXX which didn't have any record of an account associated with any of our family email address. They could not find my account based on the Truist credit card details. They said they could not do anything about ceasing the charges. 

I have contacted Truist multiple times about refusing these charges. Truist most recently said they can not decline the charges from XXXX XXXX XXXXXXXX because .... 

" Our investigation revealed that the transaction ( s ) are valid. Your case is being denied based on the following : Evidence shows this purchase was a recurring transaction and we have received no evidence that shows this authorization was cancelled. '' So Truist 's de facto position is that I must pay these charges in perpetuity unless I cancel my credit card.

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 2023-01-27 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: PA

Complaint narrative:
Experian violated my rights and did not do a proper investigation for the account reporting XXXX XXXXXXXX account # XXXX After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern on the XXXX of XX/XX/2023 at XXXX est time I the account holder of XXXX XXXX XXXX XXXX at the bank of America sent a XXXX payment in the amount of {$3100.00} after XXXX hours bank of America claims via email I was refunded then they claimed that my money never left my account even though it did based on my accountant and my bookkeeper not to mention they sent an email saying it will be refunded they can't get the story straight I asked multiple times for them to investigate my claims nothing would appear these funds have vanished with no explanation this whole situation seems very odd I am merely asking why the story keeps change i strongly believe the bank of America has lost my money and just is blaming me at this point the whole thing seems beyond shady

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 2023-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Presto Loan Center, LLC
State: GA

Complaint narrative:
On XX/XX/2022 my vehicle was stolen from my home in XXXX Arizona. I have cameras so I noticed it was a tow truck and when I contacted the tow truck company, they said my vehicle was repossessed from a company called XXXX XXXX XXXX XXXX, XXXX based in XXXX, Arizona. I told my father about the incident, and he told me that he took out a title loan on the vehicle because his name was ALSO on the title. My father never told me about this loan. I contacted the manager at XXXX XXXX loan to demand my car back because I never authorized my father to take out the title loan. The manager said there was nothing they could do because the contract says " only 1 person on the title has to sign off on the loan '' so they would not provide me with a copy of the contract and will not return the car to me. At the time my father took out the loan, I was only XXXX XXXX XXXX. I am asking for assistance in having my car returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Fig Tech Inc.
State: FL

Complaint narrative:
Hello I reviewed my Consumer Reports and noticed that I had XXXX late payments on a FIG LOANS TEXAS LLC that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : FIG LOANS TEXAS LLC ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.

Company response to consumer: Closed with explanation