vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX XXXXiolation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any XXXX from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than XXXX  days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


AS THIS IS MY SECOND WRITTEN REQUEST!!!! 
YOU ARE IN VIOLATION!!!

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was advertised a {$200.00} bonus to opened a Business Checking Account with Bank of America. These are the terms to receive the new bonus, Open a new Business Advantage Relationship Banking or XXXX XXXX XXXX Banking account ; AND Make qualifying deposits of {$5000.00} or more in New XXXX directly into a new eligible Bank of America XXXX XXXX XXXX account within XXXX ( XXXX ) days of account opening ; AND Maintain an average balance of {$5000.00} during the Maintenance Period** in that new Business Advantage checking account. 

The Maintenance Period begins XXXX XXXX  XXXX ) calendar days after account opening and ends XXXX ( XXXX ) calendar days after account opening. 

This is the transaction history of the account : XX/XX/XXXX : Account opened XX/XX/XXXX : Account funded with {$5000.00} XX/XX/XXXX : Maintenance Period ends at XXXX  days after account opening XX/XX/XXXX : Current account balance was {$5000.00} Please help me get the new account bonus that Bank of America advertised to 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 explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
on XX/XX/21 starting at XXXX XXXX I was a victim of identity theft. I was making a claim with my insurance company and my app was not working properly and said there was a issue with my XXXX id and to contact XXXX support. I clicked on the XXXX support icon on my XXXX and a individual claiming to be XXXX  support asked me to provide permission for them to see my screen so they could trouble shoot the issue. I was instructed to retrieve my backup password and able to update my XXXX account. I was then told that he needed to do some trouble shooting to find out where the malware was that created the problem. He prompted me to verify my my identity in 3 different ways. I then got a phone call at XXXX XXXX that interrupted the support. It was my Credit Union asking me to verify 5 recent transactions XXXX to cashapp, XXXX XXXX XXXX wire transfer, XXXX XXXX as they seemed suspicious. There were several involving XXXX XXXX wire transfer. I immediately selected the " not authorized '', but then i hear my own voice say yes they are mine. I told the XXXX support fella that someone is stealing from my account and i had to hang up. I then see cash app on my banking app and logged into cash app and see that the money i had XXXX in my cash app account was transferred to a individual with a XXXX  debit card ending XXXX and that XXXX XXXX accepted my money.then cashapp stopped another XXXX then immediatly was taken from my checking account and then transferred over to this man, then he took all of my money and somehow used my identity to make transactions they state he bought and sold BTC and even at one point cash app denied a transaction then allowed it to go through. I called my credit union, the police and made a report. I contacted cash app next explained to them what had happened and the gentleman stated that he would email me information that i would have to provide and then they would investigate. I answered all the questions and got a response back stating that there is nothing they can do and are closing my case. IT WAS ALL I HAD!!! I provided the police report, fraud report from my credit union and they sent me a letter with the transactions and case closed. I was told that i could talk to them as much as i wanted to, but from my answers they believe the transactions to be legitimate. I had detailed information as to last 4 of a debit card and person i am not affiliated with, time stamps. I have no history in crypto Exchange in any way. They will not help me. I continue to get calls from this person and he emailed me using a XXXX logo, but the email address went to a XXXX XXXX. The app he used to gain access to my XXXX, XXXX and XXXX watch is called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-02 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-02 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
FDIC case number- XXXX Below is a communication sent XX/XX/XXXX, sent in an attempt to follow-up a complaint made a couple of weeks ago. I received a call a few days later and was told that an investigation would be sent to the appropriate department personnel and they would follow up with me accordingly. 
Thank you for your prompt assistance. As you can imagine. I am frazzled and literally coming undone. I have endured ongoing fraud since about XXXX of XXXX. I have gone to court, and currently am awaiting a decision on an active case in which the company refuses to be located. 

Email sent XX/XX/XXXX : I don't know what is required to follow-up a complaint that I previously made to your system. I executed the guided steps and was not able to access my case updates. The banks have contacted me. I am scheduled to work with them to investigate the gross fraud occurring in my accounts as well as the unauthorized closure of XXXX of my accounts. 

Please contact me to assist with next steps to resolve my concerns and restore my account to whole. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: KY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 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: CA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2024 i have wired XXXX XXXX dollars to a chase account from a XXXX account in XXXX, i have provided all details needed for the transaction, XXXX of them was the account name. It was supposed to a company, but looks like the account is not at the company name. XXXX hours after the transfer i have filled a complaint with XXXX, i figured out it was a scam. 

i have the account details and all receipts the site name is XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Considering freezing my credit. Preliminary investigation indicates the process is very much overly complicated! There should be some sort of central clearing house rather than having to persue the process with three different companies. 

Looking at XXXX, they offer a " Security Freeze '' or a " Report Lock ''. They say that they are different, but don't say what the difference is. Seems like they are creating confusion to sell a product to correct a problem that they created in the first place! 

Credit monitoring companies should be REQUIRED to have a " one touch '' freeze function.

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 2024-04-02 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: KY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: KY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-02 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: GA

Complaint narrative:
Please read and don't skip anything in this complaint - On CFPB Case XXXX the following accounts came back VERIFIED AND UPDATED. XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX XXXXccount XXXX, XXXX Account XXXX, XXXX Account XXXX. The other credit bureau ( XXXX ) WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY credit report per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. How were you able to verify these accounts and you all have access to the same information??? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and XXXX XXXX Code XXXX : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts getting deleted off my XXXX Credit Report XXXX XXXX. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!

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 2024-04-02 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to you regarding a transaction I have attempted to resolve through our financial institution my bank America On XXXX, XXXX, 2022, I made a purchase of a XXXX membership for the amount of {$28000.00}, of which we paid with my spouse with our credit cards an amount of {$11000.00} and another amount of {$13000.00} to the company XXXX XXXX XXXX XXXX . However, unfortunately, we have not received the benefits and services corresponding to such membership as of today. I have attempted to contact XXXX XXXX XXXX XXXX on multiple occasions to resolve this matter and request a refund, but unfortunately, I have not received any response from them. 

Given the lack of response from the supplier company, I turned to our bank ( bank off America ) for help to resolve this problem. I have submitted several claims and requests for reimbursement of {$11000.00} and my husband 's {$13000.00}, however, so far I have not received a satisfactory response from our bank.

I understand that bank policies and procedures may be rigorous, but I strongly request that you consider my situation and support me in this process. I am willing to provide any additional documentation necessary to support my claim and am open to any verification process the bank requires to resolve this situation fairly and equitably.

I appreciate your attention to this matter and kindly request that you review my case in the hope that we can reach a satisfactory resolution 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 monetary relief