vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
I filed FTC report because I found fraudulant accounts on my report and nobody will help me.

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 2024-01-17 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: TX

Complaint narrative:
I filed FTC report because I found fraudulant accounts on my report and nobody will help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/XXXXXXXX  and XX/XX/XXXX, I received calls from Portfolio Recovery regarding credit card debt that I owed. I requested to received via mail a debt validation letter with the company I owed and the total amount due. As of XX/XX/XXXXXXXX  I have not received any written correspondence and it has been over 30 days. Portfolio Recovery has report negative marks on my credit report with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/24 I tried explaining that I knew I was late but due to a XXXX XXXX XXXX XXXX XXXX, was experiencing difficulties as I was also in the midst of hurricane repairs so some things, like all my payments, including utilities, were unfortunately a mess as a result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Bank of America has repeatedly has shown no understanding and recently I reported a gentleman for rude, hostile, behavior and refusal to try to understand and work with me because I wouldnt do it his way after explaining what stress does to a person with XXXX and having tried on numerous occasions to get some compassion, knowing Id been a customer for XXXX years and until recently have consistently paid my balance each month. This has happened, I believe, during the aftermath of Hurricane Ian. The lack of and refusal to do other than read their standard scripts in cases like mine, knowing I have XXXX. 
I would suggest BOA understand they are violating my rights as a person with a XXXX. I will pursue legal action if I must against their vicious retaliation to my finally filing a verbal complaint so here we are. 
I eagerly await their 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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted PNC Bank for unauthorized charge I noticed on my credit card online account. The fraud department representative asked me to verify whether this charge was made or not and I advised this person that it was not. She then notified me that the unauthorized charge was shown to be credited and that the amount would be reflected on my account within the next 24 hours. I asked if it was necessary to have my credit card changed or if I could continue using the same card, she advised me that there were no restrictions on the card and for me to continue using it. On XX/XX/year> a credit was issued to my account in the amount of {$100.00}. I also made a payment to my account online on XX/XX/year>. I attempted to use my card on XX/XX/year> for an online purchase and the charge was declined. I logged in to my online account and this company has my available credit limit placed at {$0.00}. Upon contacting PNC credit card customer service, I was advised that since there was a fraud detected on my account, they froze the account completely. I was never notified of this action, neither by message nor by correspondence. PNC Credit Card services has been unwilling to assist me with this matter and the customer service area simply says that the fraud department will determine the status of my valid and good standing credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: LA

Complaint narrative:
On Saturday XXXX XXXX XXXX. I was going over my bank statement for XXXX and noticed two unauthorized charges on my account from merchant XXXX XXXX  charge was XX/XX/XXXX for {$6000.00} and other another charge on XXXX XXXX XXXXor {$3100.00}. A total amount of {$9200.00}. I contacted Chime Bank to report a dispute for the unauthorized charge but was denied my dispute within a few hours without given temporary credit. I feel that my claim was an error and I would like to reopen my claim. 

Company : Chime Bank XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account " Monterey Financial Service account XXXX XXXX has violated my rights as they are reporting on my XXXX XXXX XXXX and XXXX XXXX XXXX 

15 U.S.C. 1681 ( 602 ) ( a ) states i have the right to privacy.

15 U.S.C. 1681 ( a ) sec 604 ( a ) sec 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: OH

Complaint narrative:
after looking into my credit file I realized that there were addresses attached to my account that were not my physical address I am unaware of these accounts also and have reported this problem to all parties asking that they remove these inaccurate detail on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: OH

Complaint narrative:
after looking into my credit file I realized that there were addresses attached to my account that were not my physical address I am unaware of these accounts also and have reported this problem to all parties asking that they remove these inaccurate detail on my file

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered XXXX  flight tickets through Chase Travel on XX/XX/XXXX from XXXX to XXXX Everything looked good on my end. The email said " You are all set '', the money was deducted from my credit card, and the airline started to track the airline status on the Chase App. Then on XX/XX/XXXXXXXX I went to the airport, the airline said they never received the order from Chase. Then I immediately called customer service, spending XXXX hours, paying the international roaming fee, to call them anxiously. Because I have a contract waiting for me to sign, my cat was sick and my husband had clients waiting for him. All the customer service of Chase did was to shift the blame to the airline but not to take the valuable time to book new tickets for us. In the end, I paid triple the costs to the airport counter, and the airline was delayed, I spent XXXX  hours to get home and lost my contract. My husband lost his clients as well. I don't blame Chase for the rest part. But it's a chain effect started by Chase. 

I contacted Chase Travel customer service when I back home. The call always gets disconnected, just like when I was in the XXXX airport. Chase apologized immediately but still, the customer service insisted its airline canceled the flight and said whether I could be refunded depended on the airline company. And it will take XXXX  days! 

As a XXXX XXXX, they didn't do their job to give me the tickets. Flight cancellations often happen, and I don't blame that part. But at least they should have informed me and refunded me the tickets immediately. I posted this experience with Chase online, and I found a lot of people experienced the same things. The booking system was terrible and customer service is good at shifting the blame and hanging up the call. 

From my point of view, we, as customers, shouldn't be caught in the middle between Chase Travel and Airline. Chase Travel, as the booking agent, should refund us the canceled ticket as well as the out-of-pocket expenses immediately. If you checked social media, such as XXXX ( XXXX ), XXXX, XXXX, and other languages social media, the same thing happened to a lot of people, who ordered their tickets through Chase Travel and couldnt get notifications of their canceled flights. I attached a link ( XXXX XXXX XXXX ) that happened XXXX years ago and some audiences comments under my social media. We trusted Chase Travel so much, and look what we get from them. A fake apology and blame shift. Thank you so much for the time to read this. It's been a tough time for me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Credit Collection Services, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Credit Collection Services has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please examine the attached documents. Initiate an investigation into these accounts, as they inaccurately label me as late, despite my consistent on-time payments.

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 2024-01-17 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card XXXX by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}

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 2024-01-17 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card XXXX by the XXXX XXXX or XXXX : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}

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 2024-01-17 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am requesting all documents used in the investigation along with signature on any documents proving that the debt belongs to me. Each time I request these documents they continue to write saying it is verified and accurate. The is my last request and I don't receive them I will take legal actions for all the violations. The bank did there investigation and said that the social security number didn't match but then left it on my report confirming its accurate.

Under the FCRA 15 U.S.C 1681g I have all the right to demand that you disclose to me all of the documents use. Send me copies. Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX  due to this. I need to buy a new car and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our new car. I need this error removed immediately, my rights are being violated and I demand these inaccuracies be corrected at once.

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 2024-01-17 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: TX

Complaint narrative:
I have mortgage with the company XXXX XXXX XXXX. I have been paying on time as shown in the attached files and they still reported a late payment in XXXX which they have not corrected yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX  due to this. I need to buy a new car and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our new car. I need this error removed immediately, my rights are being violated and I demand these inaccuracies be corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
I understand that under the provisions of 15 U.S.C. and the UCC I am entitled to receive information concerning the reasons for the denial of the trusts own credit as the credit application itself is a promissory note that may be deposited under special deposit and by you accepting the application and running the application you have accepted a fiduciary relationship as you are now the custodian of trust property. As I am the beneficiary of the XXXX XXXX XXXX XXXX and you having a fiduciary duty to me to do what is in the best interest of the XXXX XXXX in which the beneficiary is the true owner or return the XXXX XXXX back to its original intent and specific purpose by returning the application/promissory note to its rightful owner. Please provide me with a written statement specifying the reasons for this adverse action against the XXXX XXXX within 30 days of receiving this letter. As equity looks at intent not form. If there were any credit scores used in the decision-making process, I request disclosure of those scores along with the key factors that adversely affected the XXXX XXXX.Thank you for your prompt attention to this matter. We look forward to receiving the required information as soon as possible.

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 2024-01-17 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: GA

Complaint narrative:
I understand that under the provisions of 15 U.S.C. and the UCC I am entitled to receive information concerning the reasons for the denial of the trusts own credit as the credit application itself is a promissory note that may be deposited under special deposit and by you accepting the application and running the application you have accepted a fiduciary relationship as you are now the custodian of trust property. As I am the beneficiary of the XXXX XXXX XXXX XXXX and you having a fiduciary duty to me to do what is in the best interest of the XXXX XXXX in which the beneficiary is the true owner or return the XXXX XXXX back to its original intent and specific purpose by returning the application/promissory note to its rightful owner. Please provide me with a written statement specifying the reasons for this adverse action against the XXXX XXXX within 30 days of receiving this letter. As equity looks at intent not form. If there were any credit scores used in the decision-making process, I request disclosure of those scores along with the key factors that adversely affected the XXXX XXXXThank you for your prompt attention to this matter. We look forward to receiving the required information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Robinhood Account : XXXX, Since XX/XX/XXXX I have my brokage account restricted with no access to withdraw, sell of buy on the platform. 
I have contacted Robihood and I talked to an agent to respond all the security question and provided evidence that I am the owner of the account. 
Until now my account still locks, I don't have access to my fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation