vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have {$100.00} statement credit in my Discover credit card. About 3 weeks ago I requested a refund check of this {$100.00} statement credit. However, I never received the credit balance refund check from Discover Bank. 

A few days ago I called Discover card customer service and requested stopping payment on the check and tranferring the {$100.00} to my bank account on file using ACH Transfer. 

However, so far I still have NOT received the {$100.00} ACH transfer in my bank account yet. I am extremely disappointed with Discover Bank and request Discover to refund me the {$100.00} via ACH Transfer to my bank account on file immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: AL

Complaint narrative:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and i am writing to delete the following information from my consumer report. The items i listed i need deleted. I am a victim of identity theft and did not make the charge. I ask that you delete the information to correct my consumer report. Based on 15 us code 1681c- 2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity theft, nor later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unverifiable Account - 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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Summary : I was trying to sell a {$500.00} item on XXXX XXXX but was aggressively coaxed into sending total of {$2000.00} to a scammer. Payment was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). 

However, Chase representative XXXX XXXX was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person the next morning after the incident. 

Details : XX/XX/2022 XXXX  XXXX am : I listed a XXXX XXXX guitar for sale on XXXX XXXX for {$500.00}. 
/ XXXX am : Received a XXXX message from XXXX XXXX claiming interest in listed item and proceeded to discuss item condition/logistics. XXXX asked for personal information ( email address, phone number ) which I then provided. 
/ XXXX am : XXXX claimed to have sent the promised amount for transaction via " XXXX. '' I received an email from " XXXX '' which looked auto-generated and official from " XXXX. XXXX / XXXX pm : I sent the item to alleged address of recipient in Louisiana via XXXX, took picture of receipt to send to XXXX. 
/ XXXX pm : " XXXX '' sent me an email claiming that my account has been restricted in reference to account limit. 
/ XXXX pm : XXXX began to claim that there was an issue with my XXXX account due to its non-business nature. XXXX claimed that they will send additional {$500.00} to offset the account restriction on my end. XXXX made me promise that I will return the excess sum of money, which I agreed to. 
/ XXXX pm : I sent {$500.00} to " XXXX '' agent. 
/ XXXX pm : XXXX claimed further issues with their " XXXX '' account, claiming that they made excess payment of {$500.00}. 
/ XXXX pm : I believed XXXX and proceeded to send alleged excess amount of {$500.00} to " XXXX '' agent. 
/ XXXX pm : Received email from " XXXX '' claiming that I need to pay certificate form fee of {$1000.00} which I'd have to pay to release pending credit to my account. Paid out {$1000.00} to resolve restriction. 
/ XXXX pm : Started getting suspicious and asked for proof that XXXX actually sent money via XXXX. Asked for proof but was only given screenshots of payments out to my name. My account was still not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: CO

Complaint narrative:
Company name first advantage I applied for XXXX in the past and I have been hired the two times first advantage  has reported my background check they have violated the 7 year background reporting and theres a mistake on one of the cases for my suspended license I paid my fine and I never got a misdemeanor I have the paperwork from the courts for my other misdemeanor for XXXX that was 13 years ago its past the limit is in my state with I reside in XXXX I paid my fines and completes classes I have court documents therefore they are not to disclosed anything past the limits the date for that court filling was XX/XX/2008 I had already disputed this with them many times I have worked for XXXX since XXXX was rehired three times and two of those times first advantage has done my background and other companies have also done my background in the state of XXXX  XXXX has done my background for XXXX  and Ive never had an issue. First advantage can not disclosed something I dont have to disclosed because of statue of limitation laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has Equifax. According to the FCRA if these debts are not validated they must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX XXXX '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
Made an inquiry without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase for the original amount of {$2400.00} with Syncrony Financial  Credit Card at XXXX XXXX XXXX After making my payments every month On XX/XX/20 my account balance was {$1000.00} Then on XX/XX/20 I was charged {$1400.00} According to a virtual representative that amount represented 29.99 % interest rate. 

So, from {$1000.00} I owed on XX/XX/20 Then I owed {$2500.00} I never received a Promo Expiration Message from Syncrony Bank The math doesnt add up and none of the representatives I have spoken to via live chat or phone have been able to verify the charges. 

All I need is for someone to demonstrate those numbers are correct.

I believe I have been wrongfully overcharged fees.

My experience may just represent the story of potentially thousands of individuals who have been overpaying amounts they dont owed. 

I have all documentation to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
USAA decided to start the closure process of my account on XX/XX/2022. This made it so that they would only accept deposits and restrict me from withdrawing any of the money. Unfortunately, my disability check from the VA ( I am 100 % XXXX veteran ) was already sent to the account and was pending deposit so I couldn't have it send to my other account. I called USAA and received many different answers about when the account could be closed and have the corporate check sent to me. I emailed the CEO XXXX XXXX and President of the USAA Federal Savings Bank asking if they could close the account immediately and send me the check expedited as I depend on the check to live for the month as I have no other source of income. The CEOs office called and said they couldn't close it for 60 days due to laws and regulations, however I could not find anywhere in their disclosures that state these laws and regulations. The letter they sent me said that it would be closed WITHIN 60 days, but the representative who called said they couldn't close it until 60 days. Another representative told me they would be able to close the account and expedite the check to me once the account is in positive balance. Which it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I open a dispute with Experian and XXXX mid XXXX requesting that the inaccurate, closed and inquires reporting on my consumer credit report be validation and verify by original consumer contract bearing my signature in wet ink. On XX/XX/2022 I received an alert that my dispute result ready. I received no alerts or documentation from XXXX. Experian and XXXX has failed to provide me with any items that has requested and is still reporting these closed, inquires and inaccurate on my consumer credit report. As a consumer reporting agency 15 U.S.C 1681 a ( f ) Experian and XXXX is governed by the Fair Credit Reporting Act ( ''FCRA '' ), 15 U.S.C et seq. , which protects consumer from inaccurate, outdated or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer file is accurate and free from errors. Experian and XXXX is just allowing items to be placed only consumer credit report without validation or verification that these closed, inaccurate and inquires are indeed correct. Experian XXXX XXXX is in violation of 15 U.S.C 1692e 15 U.S.C 1681b 15 U.S.C 1692d 15 U.S.C 6803 15 U.S.C 1692g I have also filed a complaint previous complaints XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am a federally protected consumer and I am fully aware that this company, Avant XXXX, is in violation of my rights. As of XX/XX/2021 I sent out a notice to Avant demanding a cease and desist through any and all mediums as well as consumer reporting agencies, I also enclosed a debt validation pursuant to 15 usc 1692g, Furthermore, I am aware that this company did not adhere to the subchapter or my demands and is therefore in violation of my rights. I am saddened to see that this company is still harming consumers by exercising unfair, and deceptive business practices and I may never do business with Avant XXXX again. Please refer to the attachments to see receipt of the notices, as well as the history of noncompliance.

Company response to consumer: Closed with explanation