vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I put {$15000.00} in as a promotion. After 90 days I tried to withdraw the money and was given many obstacles and difficulties in getting the funds. Was given incorrect information numerous times and hung up on during phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-06-28 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: SECURITY FINANCE CORP
State: IL

Complaint narrative:
I have received a false credit inquiry on my XXXX credit report by a company called : Security Finance. The brick and mortar store shows to be at XXXX XXXX XXXX, XXXX, XXXX, XXXX. I received the notice through XXXX and consulted with a Fraud Restoration Specialist through XXXX at XXXX. She tried contacting Security Finance on the phone number provided but received nothing but recordings and directing her to a website. The website provided instructions if a credit dispute is required which simply requested a letter in writing to : Consumer Reporting, XXXX XXXX XXXX, XXXX, SC XXXX. I have written a letter via certified mail requiring Security Finance to remove the hard credit-pull from my credit history. I, nor my family, have instigated any reason for ay type of credit pull on our part or against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Looking at my credit report are we going by the FCRA laws or not? Under 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, XXXX, and Transunion SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on XXXX, XXXX, and Transunion XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on XXXX, XXXX, and Transunion XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on XXXX, XXXX, and Transunion XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on XXXX, XXXX, and Transunion XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, XXXX, and Transunion

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 2023-06-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Looking at my credit report are we going by the FCRA laws or not? Under XXXX USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on Equifax, XXXX, and XXXX XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This information is inaccurate and reporting on my credit report. XXXX and XXXX are not reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX  and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX  has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with XXXX XXXX XXXX they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXXXXXX XXXX actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I called XXXX XXXX Services at XXXXXXXX XXXX on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was 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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My chase account was hacked on XX/XX/XXXX and someone added my debit card to their XXXX XXXX. I received an email stating such and immediately called Chase fraud. I asked them to shut off my debit immediately but before they did the person who stole my info took {$1000.00} out of an atm in downtown XXXX ( I live in a suburb ) ans then did two transactions at XXXX sports totalling just over {$600.00}. I have spent weeks and a dozen phone calls with Chase and they finally gave me the atm money back in my account but it didn't happen until XX/XX/XXXX. In the meantime, three times now they have denied the XXXX transactions even thought it was immediately after the XXXX atm ones and keep telling me I authorized them. I didn't. I have an android and would never own an apple product. Nobody in my family gas XXXX products or XXXX XXXX. I never gave out my card information or the banking information. Even my husband could not login to my bank accounts. Now, by XX/XX/XXXX Chase is about to pull the funds again ( it was a temporary credit ) because I didn't provide enough information ( per the last phone call to them earlier this week ). I'm so over this bank and all of the fraud that has impacted. Y life over the last 9 years because I bank with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There was an account opened in my name with Bank of America and also XXXX. Both accounts have been closed. There was also another hard inquiry on my credit from discover card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I never signed any contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
So what happened was I ordered something off a website on XX/XX/XXXX and it was supposed to be delivered to me on XX/XX/XXXX so what happen was I payed XXXX on my key bank and my XXXX as well to get the item this guy name XXXX XXXX XXXX XXXX said I have to pay another additional shipping for my package he was telling me to pay XXXX and the package was coming from XXXX XXXX so when I payed hes talking about I have to pay more and the company also said that too so I talked to key bank and XXXX to get a provisional credit and I also sent over documents as well so they both denied my claim and XXXX closed my account for no reason so everything about the guy that scamed me will be in the documents my key bank claim number is XXXX my XXXX claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX ). I DO NOT have any idea regarding these fraudulent account on my credit report. I'm reaching out regarding this FRAUDULENT item and for assistance to REMOVE it from my credit report immediately. This accounts is NOT MINE.

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 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XXXX {$510.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$620.00} Ive contacted the company moneygram several times on XX/XX/XXXX & XXXX when I noticed these transactions made through multiple cards and reported them as a scam. I did not authorize these transactions & believe someone was impersonating me. I have never been affiliated with moneygram & have never used their services. I did receive an email in return that specified that they would not refund any and all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TrueAccord contacted me by email on XXXX XXXX  by saying I owed over {$2000.00} for a debt that is over 12 years old. Due to the age of the debt, I contacted them by email to dispute the debt, even stating Illinois debt collection statue of limitations in my email. Their response was they are collecting it on the behalf of another debt collection agency, which the debt collection agency is not the original agency. The debt collection agency that TrueAccord is acting on its behalf has NOT contacted me at all about the debt in years. The debt does not show up in my credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I was in XXXX XXXX, XXXX trying to get a XXXX XXXX  parking ticket from a ticket machine. I do not read French very well. A guy offered to help me and I accepted. He fumbled around the machine, but he must have had a chip reader on his person, because he ended up charging a total of XXXX XXXX  to a XXXX  account, which I learned is like XXXX. Although I received a text from Capital One and I replied no, I didn't authorize such a charge, and I called Capital One immediately after realizing what had happened, Cap One insists that it is my fault, that it is a merchant dispute, that I owe them over {$5000.00}, plus interest, because I have not paid this unauthorized charge. Tow Capoital One cards were involved - one, with a small credit card, was absolved of the charge, but the other card, which had a much larger credit card, is the problem. 

I disputed the charge. Cap One took charges off a couple of times and then finally put them back on XX/XX/XXXX. 
I have emailed several times and sent a registered letter to supposed merchant and have not received a reply. The merchant is a midwife in XXXX. The fraud happened in XXXX XXXX. I am XXXX XXXX XXXX and do not need a midwife. Cap One doesn't care. They say a scam is not fraud. They say because I did not lose my card, it is not fraud. 
Why did one Cap One entity ( Spark ) acknowledge it as fraud and the other ( professional? ) not? Do they not care about their zero fraud poIicy? 
I want the charges and interest taken off my card and I also want Cap One to write the credit agencies to restore my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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