vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started a drain cleaning company on XXXX and I went to Chase bank to open a business account. I provided everything they needed and they told me about the option to accept credit/debit cards for payment through the mobile banking app with XXXX. I accepted my first payment ( XXXX ) and that went through as agreed in the terms. I then go to another drain cleaning ( XXXX XXXX ) call on XX/XX/2024 and my customer pays me {$2000.00} for the services with their card. I noticed when checking the business checking account the payment did not go in within the time the first payment went through. I call XXXX and they state that it is under review, but stated Chase received the funds just has not deposited it into my account because of underwriting. I receive an email from XXXX by JP Morgan from someone named XXXX on XXXX requesting information from me about my business and I submitted all required documents ( XXXX, Articles, Invoice ). He responded yesterday that they are refunding my customer their payment made to me for work I already completed. XXXX stated in his email because of the proprietary process, we are unable to share specific details. I also reviewed the terms of service and nothing states I can not us them to process payments for my business for drain cleaning. This is causing a disruption in my business and I dont understand why the payment was sent back to my customer. I would like more information about this situation and detailed information why they didnt release the funds paid to me after I did a drain cleaning job for my customer. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2023 I paid {$240.00} for a merchant to buy a product for me in XXXX. The product cost XXXX {$180.00}, which is about USD {$200.00}. The mechant ( XXXX XXXX XXXX XXXX  ) charged additional fee as their for shipping and commission. However, they are unable to order the product. Then they cancelled my order, but refused to refund. I then filed dispute with credit card company. The credit card company decision is in favor of the merchant saying they provide their non-refundable policy. I agreed their non-refundable policy when I place the order as I believe once they can order and deliver the product to me. I won't return or request for refund if the product has any issue. But the problem is that they never order the product at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested that Experian validate one late payment that was on my credit report XXXX XXXX XXXX XXXX. They did not send me validation. Instead, they added three different derogatory remarks on my report, which are 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 explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc.
State: AL

Complaint narrative:
On the XXXX XXXXXXXX XXXX, my crypto account that I have been using for about 4 years now refused to open. I had bitcoin worth about {$1300.00} in the account so open several tries it finally let me login in the XXXX XXXXXXXX XXXX and now asking me to verify my identity. 
I submitted all documentation asked including a selfie picture. Afterwords I waited for about a week without any response so I contacted support and they said they were working on it so I calmed down. After XXXX weeks still nothing. My complain with ticket # XXXX. I kept reporting, and now support doesnt respond to my complains no more. My verification has been under review for more than XXXX business days now. 
Currently they are not allowing me to login to see and access my funds. Whenever I try logging in it saying wrong password but Im very sure its the right one. Please this is really frustrating and heartbreaking. I feel Im being scammed and Im not going to get my money back. This is all my saving. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: PA

Complaint narrative:
Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/year> and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/2019 and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is being compensated for the alleged debt withXXXX XXXX  XXXX XXXX the invalidated account information is parked on the report XXXX. Equifax used automated programming to override my 76 dispute 76 times in XXXX years. Equifax has mixed up my name with someone else on their website. Equifax provided misleading information about me after every investigation, the XXXX XXXX exceeded 51 days and still does not comply with validation requirements according to 15 USC 1692g. I have requested Arbitration fees to be paid by Equifax. The continued oppressive reporting of a charged off debt with a balance on as open account caused four credit denial for employment and housing purposes. However, Equifax has not excepted responsibility or provided a duty of care to delete the misleading account information as there is no proof of the data or account or the information reported for the account belongs to me or is accurate. According to Equifax they do not having any documentation or evidence they or human affirmation to validate their information.The alleged debt has not been validated as required by FTC.gov or FCRA. Equifax consumer reporting data Exceeds the statute of limitations in the state of Georgia. The alleged debt balance reporting as accurate by Equifax was deleted by the company that furnished the account.Equifax is reporting a charge off as income of {$510.00} and that violates FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have three open claims with Bank of America with a company called trader XXXX? I have no close what this company is and I can not get any info online to even info on them or contact them. I found out about this fraud when I was in the negative and I had another unauthorized transaction that they have me back but these are big charges over XXXX and are refusing to give my money back. 

Account ending - XXXX Claim ID : XXXX Account ending - XXXX Claim ID : XXXX Account ending - XXXX Claim ID : XXXX I didnt authorize these charges my card was compromised / lost/ stolen. I have several transactions from an unauthorized non Us company and do not have a history or affiliation with this company. They have been taking money out periodically with my pay days. This is fraudulent and I have made the effort to have this company blocked from taking any more money .but I need my thousands backs. I am a teacher and work XXXX hours a day. I have never made any of these charges to this company. I have lost my card but always use the card linked my my XXXX. Yes I log in daily to the app but I dont go through every charge I just look at my balance. There are more undisputed charges with this merchant I just couldnt go that far back. I never authorized any of these charges and have no affiliation or contract or receipt from this company. They arent based in the XXXX. This is credit card fraud -did not give anyone authorization to use my account -credit card was lost/misplaced/stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Attn : XXXX XXXX Dear sir XXXX Yesterday, on XX/XX/XXXX of XXXX, I have received the past month bill, which I have already paid last month and due was XX/XX/XXXX of XXXX. The cover letter suggested that I must have asked the customer service of your company to request this document or the bill, which I paid off, was returned by the XXXX XXXX. Since both cases are not possible due to the payment I did through my bank account, not online, I request to your company why you have determined to print out the bill of cycle of XX/XX/2024 without my recognition and official request. To make simple the matter, I requested the coming bill of XX/XX/2024 cycle, even though my account has been closed with the agreement of both sides and not sure whether you have still had the right to issue the bill. I have not already checked how much I owe you personally, since your company suggested the last letter. Since my account was officially closed with agreement, I do not expect there is an account of mine ; therefore, I am not sure whether I still have the online account itself. I will check around the middle of this month. If still I have the online account, at least I notice it. The issue is I do not have the intention to pay from that portal, and I want to pay as before through my banking account ; therefore, I request you will make it possible. Otherwise, I request you will send me the legal document, XXXX. Since I strongly feel the regret and anger over the issue of reward certificates, I will not open any credit card account of your company which I can not get any usable reward. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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:
I was reviewing my credit report and I realized that I have dames on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. This is a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank had allowed three transactions that I reported as fraud within 24 hours of them being posted to the account. 

I provided TD Bank with receipts of where I was during the time of these transactions as well as a receipt that I was charged two separate times on two different cards for the other.

TD Bank today reversed all three credits that were given to my account even after two were finalized per TD Bank correspondence. 

They charge back approximately {$1200.00} to my account causing me to be negative in my account and then charged me overdraft and maintenance fees.

Company response to consumer: Closed with explanation