vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a dispute about inquires, false information, and non-mailable addresses that are not mine. I want every inquiry on my report deleted. I didn't authorize them and they can't prove I did. So they are reporting false information that they can't verify. And I have one address, one phone number, and y name is spelled one way. I've provided those items so I want anything other than what is correct to be deleted immediately. And I'm opting out of any reporting without my written consent.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute about inquires, false information, and non-mailable addresses that are not mine. I want every inquiry on my report deleted. I didn't authorize them and they can't prove I did. So they are reporting false information that they can't verify. And I have one address, one phone number, and y name is spelled one way. I've provided those items so I want anything other than what is correct to be deleted immediately. And I'm opting out of any reporting without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I went through a personal hardship and was unable to make my XXXX  payments on time for a few months. This was long enough that they closed the account and i was then unable to access my account online to make payments or see any of my account information. My card is missing and I do not have the full card # to use when calling to make a payment unless you can wait for over an hour on hold which I cant, so I am unable to get through most days when I try as the automated system does not recognize you without a full card # to enter and disconnects most of the time. 

Eventually I got through but each time I call and get a person on the line I get different answers about my account and its all misleading. 

Most recently I was calling to see how I could make a payment and when they transferred me to their payment sector I was asked for my contact information again and then informed it was a collections agency ( zwicker and assoc. ) attempting to collect a debt. I asked them for information on the account which they had none, and refused to verify the debt or give me information as to who is reporting on my credit or who I may speak to about the details of my account. They put me on hold and then told me that my XXXX account was already held by a separate collection debt management company other than theirs that Ive also never heard of or have a recollection of. XXXX XXXX XXXX told me that I owe them my account balance and in order for them to take payments or help me I have to call and ask the other collections agency to give them permission to take over my debt. This is alll very shady and misinforming. I was simply trying to reach XXXX XXXX to make a payment or settle my account with them in good graces but not be led on by other collections agencies I have no contracts with and who can not discuss my account details in the first place. I have no business with Zwicker and Associates and would like them to cease all contact and collections effort with me as they do not even have the right to my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
Identity theft, unknown person took a car loan/loan for {$20000.00} under my given title XXXX XXXX XXXX Here are the details below : Acc type : Revolving Condition : Open Responsibility : Authorized user Payment status : current Creditor info XXXX XXXX XXXXXXXX Account age 8months Opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a lawsuit from Blitt and Gaines which was for XXXX XXXX XXXX. They said it was for a XXXX bill. The debt is valid. However, I never received any letters from XXXX XXXX XXXX about my debt. 

I reached out to Blitt and Gaines and asked if they could send me a settlement agreement and I would pay in installments. They refused to send an agreement and demanded I pay {$5500.00} in settlement and do it over the phone by the end of XXXX. 

I explained that I was unemployed and was subsisting off unemployment. They said you have 9 days or we cant help you. 

I emailed the company and sent a letter, they did not respond. 

I have a lawsuit which is unfair and a debt I can not pay off. Please help! They sent me to litigation without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX, XXXX, USAA Bank froze my checking account ( ending in XXXX ) for an unnecessary 2-3 day fraud review, but USAA did not provide me with any notification that my account had been frozen to allow me the opportunity to make alternative arrangements for auto payments and other transactions. On the same day ( XXXX XXXX, XXXX  ), a pre-authorized auto-payment of {$1200.00} was attempted by XXXX XXXX , and was subsequently rejected and returned due to frozen account status, resulting in over {$65.00} in late fees and interest charges. USAA would not reimburse me for any charges that resulted from their undisclosed and unnecessary account freeze and fraud review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-01-26 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: PR

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-01-25 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: PA

Complaint narrative:
XXXX XXXX, a XXXX that was branded as debit card in the USA in XXXX to customer like us. Their key features is provide a XXXX XXXX XXXX allow user to pre-deposit cash into XXXX account and use out of XXXX  balance. Or, user can add their own credit cards from other bank to XXXX App, allowing user to use XXXX  card as a proxy to in online purchasing, and eventually charge user 's credit card. 

I registered their XXXX XXXX in XX/XX/XXXX, and proactively termininated the accounts after 3 months in later XX/XX/XXXX because I rarely use it. 1 month after I terminated the XXXX XXXXXXXX account, they posted on my credit report ( equifax ) as a closed credit line or closed credit card. The record appeared as " XXXXXXXX XXXX XXXX  closed at XX/XX/XXXX. 

They provided misleading information in branding their product, hiding critical information about the nature of their financial serivce, and hurt my credit history. Their service never functioning like other well-known credit-card company, and they have never claim them to be one, and yet their essentially doing that. This is both misleading and disgraceful as a XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Nissan Motor account number ( XXXX ) has been reporting a ( late payment ) status onto my Consumer Report without my written instructions, which is a violation my Consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
My two Relay Financial accounts were closed for no reason. I want to warn potential business owners about this bank. 

Relay Financial Bank is not a bank. They do not have customer support let alone anyone that can assist with any problem that occurs. On XX/XX/XXXX we had a bounced check from a customer in our XXXX XXXX account. We explained and gave them proof of what happened. 

Our account was reactivated on XX/XX/XXXX by rep XXXX XXXX. I signed in twic after then. But on XX/XX/XXXX I had trouble logging in. I tried logging in after XXXX EST and tried calling support for help. 

There hours are XXXX EST. I called the next day and they stated it would have to be escalated to fix the login issue. The error message I got was I tried logging in too many times. The login is automatically saved to my laptop and the password is already saved. 

I tried logging in twice and I was told to call in since I could not set my password myself. Since then I have waited and called in for weeks to find out whats going in my account. It is very difficult to get anyone on the phone at this supposed bank. Finally I got a helpful woman on XX/XX/XXXX. 

She apologized and stated this would be escalated. The next day I got an email stating my account was closed. No reasons as to why. So I called again and they said they would try and get someone to help. 

Today XX/XX/XXXX we are still expecting a deposit from our vendor XXXX XXXX connect who has paid us since XX/XX/XXXX. Only to find out our second account was closed. This company is not a bank. They are posing as a bank.Today is XX/XX/XXXX and our deposit has been blocked which will delay time in paying our workers right before XXXX. 

I have 3 transactions that I have disputed on my second account. I had to dispute it with XXXX because this company is not a bank. I do not know what they are. But a scam. 

Avoid. I have to call from different phone numbers to get to customer service. My bank number on file which is my number has been blocked. How is this a bank?? 

When I can not call in for my balance. AVOID This fake bank. 

They are owned by XXXXXXXX XXXX who has no clue how horrible this bank is. AVOID at all cost!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
They are mistaken me for a d/b/a putting XXXX loans and XXXX support on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX XXXX Im in XXXX so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from XXXX who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall XXXX someone XXXX me out but give me a hard time about my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
They are mistaken me for a d/b/a putting student loans and child support on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX XXXX Im in XXXX so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from Experian who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall XXXX  someone XXXX me out but give me a hard time about my own.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I got denied boarding to a plane to XXXX. According to XXXX XXXX XXXX recommended not to let me board the plane. I am a USA citizen and does not required XXXX. The entire trip was interrupted because i could not board the plain to XXXX. 

I file a claim using the car benefits posted in the chase website " XXXX XXXX XXXX XXXX XXXX If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$10000.00} per person and XXXX per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. '' According to them that is not one of the reasons stated in their benefits.

This is the rejection per a chase adjuster " Claim Number : XXXX File Date : XX/XX/year> Claim Type : XXXX XXXX Claim Status : XXXX  We have reviewed all the information submitted to us for this benefit. Unfortunately, we will not be able to honor this claim because : The documents confirm the trip cancellation was due to insufficient travel documents. The Guide to Benefits confirms that failure of You or Your Traveling Companion to obtain necessary visas, passports, or requisite travel documents is not covered. '' Clearly, the rejection has nothing to do with what they are stating is the problem. According to the rejection I had no proper documentation. USA citizens only need a USA passport to travel to XXXX.

Company response to consumer: Closed with explanation