vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-01-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2023-01-25 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have a freeze on all three major credit reporting agencies. Checked reports on XXXX to apply for a loan all XXXX reports states there was an account opened on XX/XX/XXXX, but just one agency states the account was first delinquent in XX/XX/XXXX, there is different addresses for the account holder, discrepancies in the dates the account was opened and the addresses of the account holder. Disputed the account on all XXXX credit reports on XXXX my disputes was canceled so that it did not show that I had disputed the account. All XXXX credit reporting agencies states they have investigated and verified this account in one day on XX/XX/XXXX the day following a 3 day XXXX XXXX XXXX weekend holiday, which the account holder is closed. No inquiries are reported on either report. Asked for verification in writing that this account was opened on XX/XX/XXXX or must Delete this from my credit report, this violates my rights. I have not had a response from either credit reporting agency. XXXX checked the report on XXXX the account has not been deleted. Thank you.

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 2023-01-25 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from XXXX XXXX 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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023, I received a text message from our bank, Chase, alerting us there had been suspicious activity on our debit card and they were placing a hold on it. I unfortunately clicked the link that was provided and gave some personal information including husband 's ss number and mother 's maiden name. At this moment, I felt something was wrong and exited out of the text without forwarding it. Come to find out, this was a FRAUDULENT text. 
On XX/XX/2023, an unauthorized party hacked into our bank account and made a fraudulent wire transfer of {$50000.00}. They also moved {$110000.00} from our savings account to our checking account. We immediately contacted our bank, Chase and had the account frozen. I questioned the lady I spoke with ( XXXX XXXX & asked why we were never alerted to this enormous wire transfer either by text, phone call, XXXX mail. She could not answer that, only agreeing that she did see that yes, we were NOT alerted. Also, she told me that there were two attempts to make this fraudulent wire transfer. The first attempt was DECLINED. Apparently someone recognized this as fraudulent. The unauthorized party tried a second attempt and Chase let it go through. We went to the local branch, explained the situation and reopened another account. Between XX/XX/XXXX to this date, XX/XX/2023, I have spent hours upon hours acquiring every bit of information, forms, Forgery Declarations for the bank and numerous trips to the local branch. A police report was filed on XX/XX/2023 & Detective XXXX with the XXXX XXXX, AZ Police XXXX. has been in touch & informed me he is currently going to subpeona the bank for records. XX/XX/2023, Chase sent us a letter stating they are denying our claim stating " we did not take appropriate steps to protect our account ''. There was no notice of consumers right to request documents to see what they relied on to make their determination, no other explanation. ( They said we should set up alerts, but we had alerts on as we have XXXX debits from that account to pay bills and every month when something is withdrawn I received an email alerting me. ) This denial letter was dated XX/XX/XXXX, even BEFORE Chase had all the documentation that they required from us including a XXXX XXXX XXXX. Not only have we been to our local branch at least four times, I have spoken with : the Fraud Dept., the Recovery Team, the Investigation Team, the Claims Dept., the Escalation Dept. and the Fraud Online Claims Dept. I am transferred around, put on hold for hours and then disconnected. We are presently filing this claim with your organization and have already filed a complaint and affidavit with the FTC. Today, XX/XX/2023, we are seeking an attorney. We are also filing a report with the FBI. Chase Bank has given us a complete runaround. They are suppose to protect their customers but instead put the blame back on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax did not respond within 30 days. according to USC 1681i ( 1 ) ( A ) ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I made my original complaints # XXXX on XX/XX/XXXX and XX/XX/XXXX to Equifax. they never responded by mail or other wise. I gave them 11 extra days and sill no response. 

I made another compliant # XXXX about the non compliance to USC 1681i ( 1 ) ( A ) ( 5 ) on XX/XX/XXXX. 

Equifax finally responded to me on XX/XX/XXXX. Equifax responded that I didn't provide enough verification of my identity. However I sent them a certified letter ( # XXXX ) on XX/XX/XXXX that had 2 pieces of ID, 2 pieces of address verification and a copy of the complaint that I filed. 

It is damaging to me as a consumer because I am trying to clean up my credit so I can buy a home. I can't do that until I fix my credit. I am doing everything I can to improve my credit scores and the bureaus need to follow the the laws just like I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX sold my information to midland credit mamgement. 
THIS is a violation by FCRA act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX I was forwarded an email detailing how I was affected by the Wells Fargo XXXX XXXX XXXX incident. For years I was unaware I was personally affected because the official email alert was sent to an incorrect email addressmy sisters. 

I then contacted Wells Fargo on XX/XX/XXXX and an associate confirmed that I was in fact affected and that XXXX was added to my loan starting from XX/XX/XXXX. I then told the associate that the vehicle was purchased on XX/XX/XXXX and all bill of sale paperwork including proof of insurance was provided to Wells Fargo Dealer Services that day. The associate asked that I forward the proof insurance and then informed they had approximately 100 days to respond. 

On XX/XX/XXXX a Wells Fargo XXXX Settlement XXXX responded via email and stated the {$21.00} check that was cashed on XX/XX/XXXX under the Settlement Allocation Plan for the XXXX policy was my refund and that I was not eligible for additional payment. I responded via email requesting further assistance while explaining that their illegal actions of inappropriate billing caused my XXXX-related vehicle repossession, which was also in violation of the SCRA as I was/am in the XXXX. I was then sent an email stating they were sorry that their previous response did not fully respond to my inquiry and then referred to help pages. 

Recently I was made aware of the fine imposed on Wells Fargo due to their illegal practices and read they would contact affected consumers. As of XX/XX/XXXX I have not received any correspondence since the unsympathetic XX/XX/XXXX email.

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the XX/XX/2022 at around XXXXXXXX XXXX XXXXXXXX, I went to cash a few checks at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

The total of the checks were around {$1700.00}. However, the teller only gave me {$1400.00}. 

During the transaction, there was a check for {$220.00} that he failed to cash, and he stated that he will try it again. I didn't see anything wrong, and when I was done, I left. When I left, I noticed that the total didn't add up to {$1700.00}, so I contacted the bank. 

I came back, and the manager told me that the check has already been cashed. The manager also said that the check was cashed after I had left. In other words, the teller stole my money. 

Since then, I contacted the bank manager ( XXXX ), but since he was going on vacation, he said he will have his assistant manager call me ( XXXX ). 

It has been over a month, and now they are asking for more proofs. 

What proof is there to be given when they have the security footage? They acknowledge that theft had occurred by one of their tellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: IL

Complaint narrative:
XXXX XXXX has been reporting late mortgage payments on my credit report since XXXX. When I dispute the account with the 3 major credit bureaus, the debt comes back as valid and they update it and lower my credit score. When I attempt to deal with the actual company reporting the debt, I get no answer from the listed number. When I looked up the company online, it stated that they were out of business. This is not a valid debt and should be deleted from all 3 credit reports

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted Experian multiple times to dispute incorrect addresses on my report. There are XXXX addresses that I have not lived at or been associated with. I have asked to have them removed but they will not help in my request because they are linked to an account that is not mine. I am in a catch XXXX because they will not help me remove the incorrect information because its linked to an account and I cant dispute the account because its linked to that address. I have made multiple requests as well as sent in copies of my license, bank statements, personal mail and pay stubs to show my correct address and they are not helping. Please help me get this information corrected. 
The addresses that should not be on my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2023-01-25 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from XXXX 's bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was double charged by XXXX for tickets to the XXXX. I showed the Apple Card dispute that I was indeed double charged. I did not use the ticket and after multiple emails streams and disputes, my claim was still denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: MN

Complaint narrative:
I opened an account with XXXX about a year ago. Prosper Mastercard is issued by XXXX XXXX XXXX 
Over the course of the year my credit score increased at least XXXX XXXX and my credit utilization dropped below 10 %. Still Prosper did not increase my credit limit over the course of the first year. I believe having the Prosper account wasnt serving any benefit for me and so I decided to close the account XX/XX/XXXX. I closed the account on that day rather then wait and be charged for an annual fee. Shortly thereafter I viewed my account statement which showed a {$39.00} annual fee and listed XX/XX/XXXX to XX/XX/XXXX as tdates of service. I immediately wrote prosper and told them I was charged an annual fee on an account that was closed and not open or present during the listed dates of service. I received a response from prosper stating that the annual fee is not returnable after the first year. I wrote them again to emphasize that the account does not exists during the time or dates that you state on the statement for which you charge me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had 4 accounts with Truist Bank. They were frozen two years ago during the merge due to fraud. Trust charged my accounts monthly fees until two of them were XXXX  out. I went to a branch to get the funds and they told me they couldn't get my money back??? I still have an account with {$1300.00}. In it that I can't access.

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
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am unsure as to which company this is but they left a detailed voice mail to a relative on XXXX at XXXXXXXX XXXX with court documents and court information and asked to be called back at XXXX claim # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I received message from XXXX XXXX concerning Conoco credit card  threatening to take action against if I didn't pay card is under name which is my married from divorce in XXXX my name I no longer use and my social security #  was used.the phone was XXXX, old phone #. Can not get any response online or by phone just say I have to pay.I have alerts at all credit agencies and am fixing to call bank I in no way am responsible for this credit card. retired drive a 20 year old car  that barely runs help pleay

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