vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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 2022-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and 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 non-monetary relief
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and 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 non-monetary relief
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXXXXXX -- {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX -- {$5500.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX  XXXX XXXX -- {$2200.00} XXXXXXXX XXXX  XXXX XXXX -- {$4500.00} XXXX XXXX XXXXXXXX XXXX -- {$2200.00} XXXX XXXX XXXXXXXX XXXX -- {$2300.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX -- {$1100.00} XXXX XXXX XXXXXXXX XXXX -- {$1700.00} XXXX XXXX XXXXXXXX XXXX -- {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX -- {$5500.00} XXXX  XXXX XXXX XXXX -- {$0.00}

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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I submitted a check that I received from a vehicle for a sale of a vehicle XX/XX/XXXX. I went to check on the status of this about a week and half later and they said that this just normally takes longer because of processing. My check cleared XX/XX/XXXX and they closed my account XX/XX/XXXX, without any permission and prior notices. I realize my account is completely closed on XX/XX/XXXX and attempt to reinstate my account. They restricted and closed my account just because they could not verify the issuance with the dealership! Once I showed them how to contact the dealership they verified it, apologized and said they could not reopen my account. I am in good standing and have over 5 accounts with chase so the fact that this happened is baffling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
NICHOLAS FINANCE XXXX Was opened on XX/XX/2015 with total balance of {$8600.00} .. this account was opened and I dont know please check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google card purchase partial numbers came off when scratched 2 cardsXXXX XX/XX/XXXX couldnot get help. Purchased at XXXX XXXX Google card purchase when tried to redeem said more info needed XXXX XX/XX/XXXX Purchased at XXXX XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info- claim rejected 3 XXXX cards purchased at XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info-claim rejected 3 XXXX cards purchased at XXXX this is just some of the cards that I have tried dealing with. I have another XXXX purchased at XXXX XXXX need more info- claim rejected XXXX card purchased at XXXX XXXX need more infor claim rejected. 

Company refused to refund the money for these purchases. i have faxed the request to the company many times with no answer. Have been told go to retailer. retailer says deal with google. Have even complained to XXXX  and google says they stand by they are not refunding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of XXXX  days prior, they failed to provide me with written notice of this XXXX days prior. I am the only XXXX who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this 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 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Sent a wire transfer to hold a vacation rental in XXXX XXXX Florida to Wells Fargo which turned out to be fraudent date sent from my bank XXXX XXXX XXXX Pa was on XX/XX/XXXX2022 for XXXX dollars.I have conacted my bank and are trying to talk to wells fargo with no luck.I have also tried to contact the bank with no responce.I have a Name Routing number Account number Debit Authorized acc number Fed Routing number Account Number. It was for a condo in XXXX XXXX XXXX listed on XXXX web site be aware this is not the first time this has happened

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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I made 3 charges on XX/XX/2022 XXXX XXXX fil a {$69.00} XXXX XXXX XXXX a {$46.00} XXXX {$220.00} These charges were canceled by the merchant and refunded instantly. My bank charged me and did not release the refund the authorization expired instead of being put back it just canceled out to zero. My account was drew into the negative and then they refunded the money they owed me. Theres no account transaction history showing this nor does my back statement show this activity under the bank security act its illegal to not have detailed transaction history for each checking and savings account for 5 years minimum after information is obtained they keep deceiving me and misleading me telling me the funds were returned on XX/XX/2022 also XX/XX/2022 also XX/XX/2022 none of this is XXXX correct because they didnt Return the money to me I have proof and at this point theyre putting me through unnecessary hardships. I want my money back immediately! I also want compensation for the financial hardship Ive endured

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is 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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transuion 's website promises a free credit report. The ONLY sign up options are paid accounts. When you click the link for a free credit report, it goes to a different website, https : XXXX. This promises reports from all 3 agencies. 

That form never works, so then it directs you to XXXX XXXX XXXX XXXX XXXX and this phone number XXXX. 

When you call that number, they have no idea what you're talking about, and can not help you with the 3 reports you were promised on the previous page that directed you to the phone number. 

This is intentional. There's no way they don't know none of the links work. Transunion is deliberately directing you away from thier website to a service that does not work. 

Can you please look into this?

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: FL

Complaint narrative:
Today, I called The Cash app customer service due to not receiving my XXXX deposit. I have had more than XXXX direct deposit come from my XXXX XXXX  account to my cash app card. As of today I will no longer be using Cashapp. Whenever I contact customer service through chats, I have to wait almost XXXX to XXXX hours for a message back. Today I decided to call and the representative talked over me. Told me I was wrong. The representative told me I don't know what I was talking about. He yelled at me and told me that he can't give me his first name. Then I asked for his first name, He said his first name so fast that I couldn't hear it on purpose. I asked for his name again and he told me he couldn't Provide me the information. and then he talked over me again and told me since that he provided me with the information, that he couldn't transfer to a supervisor. He then said that he will be ending the call and hung the phone up on me. I was asking simple questions pertaining to my direct deposits. He told me since I don't know the exact day my deposit was sent, that he couldn't help or provide me any help from a supervisor. I called back immediately to speak to a supervisor. A representative by the name of " XXXX '', said she couldn't provide me with the last representatives first name. I told her transfer me to a supervisor. She said she would need to know the nature of my call. I told her again I need to speak to a supervisor. She said the same thing over again. Then she waited for XXXX minutes to tell me she can't get in contact with a supervisor. I then provided the rep with the case number for consumer financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear CFPB, Claim : XXXX XXXX  : XXXX Amount : # XXXX Please help me with a dispute with Chase XXXX Chase is not helping me. They keep the case for so long without a temporary credit and eventually just deny the claim without reviewing the documentations. I originally submit the claim on XX/XX/2022. They gave me a temporary credit right away, however, in late XXXX, they reverse the credit without a notice to me. I called them and they said the merchant provided them with document saying the charge is valid. They without letting me know and give me chance to response to it, closed the case. I then sent in more documents to response to the merchant. I pointed out the non-sense part of the merchant response. Most of this response are automatic and does not answer my dispute reason directly. 

I order a XXXX XXXX from them, and they sent me a XXXX XXXX. I then contacted them to request for a return label and ask them to check the camera to see if they sent me the wrong item. They eventually confirmed me in one email saying that they sent me the wrong item and provided me with a return label to return it. The return label says 3lbs on there for the weight and I questioned them right away. But they explained to me that, that's just pre-label, and every return label for this category of product would say the same 3 lbs since they have contract with XXXX  for cheaper rate. See the documents for your reference. 

I then returned the item. They received the item and never process a refund for me. I dispute with Chase, and they response to Chase that because the item I sent back is 3lbs and the item they sent me is 8lbs, they can not process the refund. In fact, those weight are not accurate since they are all type in number just for the label. Chase got all the documentation and I think those are too clear for them to decide what to do, and it took them 3 months, and they got back to me today denying the claim. I don't even think if they even worked on it. They just denied it. 

Please help me.

Company response to consumer: Closed with monetary relief