vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello I deposited two checks from my boss to my Chase bank account- {$550.00} on XX/XX/2023 & {$420.00} on XX/XX/2023 Chase bank never gave me my checks and closed my account and kept my money Chase was unable to verify the check even though these are real checks My boss XXXX XXXX went into Chase Bank XXXX XXXX on assembly row and spoke to the manager XXXX XXXX XXXX showed his ID and information to prove that the check was real and Chase bank didnt accept it because they dont have XXXX  phone number in their system but the phone number they have is the wrong one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was looking for a home to rent, and found a landlord on XXXX. I then looked at other sites to see if this was a legitimate home. I did find the home on other sites like XXXX, and XXXX. I then called the landlord and made an appointment for the following day. Once I arrived at the location, the landlord was not present. When I called him he stated that the place was already rented and he had another home for me. I then drove to the new location. He walked me through his process with XXXX XXXX  to gain access to the home. After walking through the home, XXXX XXXX the " Landlord '' called me back. He asked if I wanted the home, and stated he had another family coming to see the home at XXXX XXXX. He then charged me {$75.00} for the application. I completed it. Then he stated he needed a down payment of {$1600.00}. He took a copy of my information. And gave me his lawyer 's info for the down payment. He then tricked me into sending him the {$1600.00}. A few days later, he contacted me. I sent his information to HUD, as they help pay my rent. We emailed a couple of things back and forth. He contacted me a few days later asking me to pay the remainder of the rent to move in. I explained to him I needed more time as HUD must see the home and inspect it. He tried to say he has other people interested, and serious about the home. When I refused to pay more, he said he would refund my money. Which he never did, He then blocked me. I reported this to the sheriff 's office. Who then said they have had several problems with this man in the area. They were not surprised. although I have reported this, PNC refuses to help me, or return the money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX Inquiry ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all XXXX bureaus. Was not resolved.

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 2023-09-11 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: CL Holdings LLC
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've examined my credit report and noticed several unauthorized accounts listed. Please find the details in the attached document.

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 2023-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have spoken to Equifax regarding, Company : XXXX Account # : XXXX That this debt collection is not mine because I never signed a contract with the company, they never lent me money, I asked that they provide me the original signed contract, the opening date of this account is false, the payments made on this account is false. 

Also Equifax deleted it off my report in there portal in the past, but when I pulled my credit report this year it was still there ; which is false, misleading, a misrepresentation, and direct violation of FCRA. I have proof. 

The other credit bureaus have deleted the account due to the information begin inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
Barclays account : They had derogatory marks on a credit card that shouldnt have back in XXXX. They are stating they closed it but the card was paid in full. Its showing on all three credit reports as still derogatory. I attempted to fix it with them and they stated there were no issues. As I told them it was still on my credit report, they left me on the phone for 2 hrs and can not send me anything because I dont have the same address from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-09-11 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. 

Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. 

I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. 

Yours infuriated, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I have leased a car from Hyundai Motor Finance. I called Hyundai Motor Finance in the second week of XX/XX/XXXX  for my Title. I have changed state from XXXX  to XXXX  and in order to register my vehicle I need my title. I have contacted them several times and every time I have contacted them they told me a new story. Firstly they asked me to upload certain documents which I did. When nothing happened for a while I called them again and my call was transferred to a senior manger who was quite rude to me without any reason. He asked me to upload more documents which I did on the same date. Nothing happened again and therefore, I called them again. Now they asked me to upload the check. I specifically asked them whether I needed to do something more as I am in desperate need of the title. My registration will expire in a week. They said no this is enough. My registration expired and I didn't get the title. I called them again. Now they said I have to mail them the document. I talked to a senior manager again and he was pretty rude. I posted the documents to them and with the tracking number ( XXXX can see that the documents were received by them. Still no action. I am so done with the company right now. They have harassed me mentally and wasted so much of my time. I really need them to send my title asap.

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 2023-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Ive received calls from XXXX XXXX about a debt and Ive been trying to contact them back but no one responds back. Ill actually like to solve the debt but I need a good representative thatll help me out and be honest about the debt and issue since this company has received a lot of negative reviews involving scamming and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX STERLING JEWELERS INC/ XXXX XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX/XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I got a ATM withdrawal of {$510.00} pluse the ATM out of network fee but I didn't withdrawal that much money I don't thank any atms near me will even let me droll that off the most I've been able to droll off is normally like XXXX but chime keeps telling me no error was made even though I didn't droll that much off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning erroneous addresses on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DE

Complaint narrative:
I filed an dispute because money was moved from my account to an XXXX XXXX or some type of pay they didnt give me all the information I explained to them that the money wasnt in my account and they said they were going to investigate it and never sent me again and I called and they reopened the case and denied it again and I asked for the information they verified to make the decision they made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-09-11 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: AXOS FINANCIAL, INC.
State: MS

Complaint narrative:
These are all unauthorized unverified inquiries on my credit report XXXX XXXX, axios bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I would like for these to be removed immediately. Thank you. my phone number is XXXX XXXX XXXX email is XXXX. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation