vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXX. XXXX  with Experian, XXXX, and XXXX to reinvestigate the following account : Account name : XXXX XXXX XXXX ; Account # : 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 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 2023-10-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PLS GROUP, INC
State: NC

Complaint narrative:
Here i.deposited money only on this card account of XXXX card, at pls checking and card was stolen and used with pin number on back was used and unauthorized transactions I didn't make. I deposited XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I had reached out to an individual online about taking over a sublease of their apartment. They sent a photo of themselves and their driver 's license to " prove their identity. '' They had me fill out an application to take over the sublease and sign a lease to take over living at the property. At the time of completely the lease they asked me to send {$900.00} as a security deposit to a CPA. When doing a quick internet search the CPA was indeed a real person, however, the information they gave me to send the money to, was not to the actual individual. Additionally, the person had me send them {$1100.00} for the first month 's rent and to get the keys to the apartment. I used XXXX to send both transactions. Upon working on sending the second transaction, I became aware that this was probably a scam. I immediately reached out to Ally Bank to inform them and they refused to assist me with stopping the transaction. After both transactions had cleared, I reached out multiple times to Ally Bank and XXXX to work on getting a refund. Shortly after this both of the accounts had been banned from XXXX, which meant both Ally Bank and XXXX were aware that these accounts were involved with fraudulent activity. I filed claims with Ally Bank and followed up on them multiple times. They said to me every time I contacted them that someone would reach out about my case, but no one ever did. I always had to reach out to them in order to receive any updates. Additionally, I received no response back from XXXX. I filed a police report about a person using a fake identity and creating a fake lease to sublease an apartment. I also filed claims with the XXXX XXXX XXXX against Ally Bank and XXXX. Neither of them were willing to refund my transaction, despite the fact that it had happened while an individual was committing identity fraud.

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 2023-10-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2023 around XXXX in the morning I stopped at XXXX to grab a cup of coffee and to use the atm. That day I had been paid my paycheck through payroll on my chime checking account and was going to pull out half of the money to deposit into my cash savings that I have in a lockbox at home. I have done this several times before even at this specific ATM. I pay for my coffee with my card and then went to the XXXX stand alone ATM and started to withdrawal {$400.00}. I went through the entire process of talking in my pen and selecting the amount and so on. Everything went fine until it was time to dispense the cash and a message popped up on the ATM screen stating " there is an issue with this transaction someone has been notified ''. I I took my card and looked in the cash area to see if I could still pull it out or if it had given it to me and the door for the money depositor would not open nor did I hear anything being dispensed. I figured I would not be charged for this transaction but it only took about XXXX seconds for me to get a notification saying that it had been taken out of my account. I contacted both financial institutions, but XXXX themselves it refused to do absolutely anything for me including give me a different number to talk to someone. The transaction went from pending to approved after a few days and I was able to file a dispute. It only took about 3 days and my dispute was denied. This is half of my paycheck that I have worked very hard for and {$400.00} is a huge amount of money to wrongfully be taken from you. I have rebutted this dispute again but I plan to take whoever I need to to court to sue them for emotional distress and get my money back. I've never in my life that this would happen or that it would be so hard to get my money back if something like this did happen. It is very obvious if the video is looked at that the entire time I was in XXXX I did not have cash in my hand nor was I giving any cash or used cash at any point. The investigation needs to be looked in better and I need to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/23, I received an email from Chase thanking me for requesting a new credit card. I did not request a new credit card. I checked my XXXX  account, and found an inquiry for JPMCB card. I contacted XXXX  to dispute the inquiry, as I did not request it. They said they would flag it as fraud and my report should be updated in 24-72 hours. They told me to contact Chase and have them flag it as fraud. I called chase and was told there was no account with my SSN to flag as fraud and to call back in a couple days, and if there still wasnt an account open to call back in a couple weeks, and if there still wasnt an account open to call back in a month, etc. seemingly for eternity. XXXX also told me to go to ftc.gov and file a police report so that is what I am doing right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX keeps calling claiming we own XXXX XXXX. We have a card on file with XXXX and they bill us every year. We have contacted XXXX and verified we don't owe them any money and have never had a late bill with them. We request a copy of the the invoice every time XXXX XXXX XXXX XXXX calls and they never send us anything. They call from the number XXXX. They just called again today XXXX and again we requested a copy of the invoice in question. We are getting tired of them calling our office with no proof of the money owed and never sending anything to verify the supposed money owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: 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. I told Experian, XXXX XXXX and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that 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 2023-10-04 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-10-04 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: 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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX XXXX 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 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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited at a Capital One ATM a check for {$20000.00} made out to me from the trust fund of my attorneys, drawn on XXXX XXXX XXXX. I was informed at the time that the funds would be available in 3 parts- XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This didn't seem particularly unusual, and I made several financial commitments based on these dates. 

I was informed by email the same day that the reason for this delay was " we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. '' This claim of " confidential information '' seemed odd at the time, as the source of funds was a law firm trust fund, hence unlikely to be unpaid. 

All these dates, however, have now passed and although the funds now show in my balance, Capital One has failed to make any of the funds available to me. Calls to Capital One get nowhere, and I am now told that the funds will be available XX/XX/XXXX, with no additional reason given, and that " there is nothing they can do about it. '' I am severely inconvenienced and embarrassed by the fact that Capital One continues to hold onto my funds for 7 days without a specific reason, and has failed to make funds available according to the schedule they originally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Here at bank of America I made a deposit for checking and savings account plan time plus, at XXXX XXXX XXXX XXXX XXXX And all unauthorized transactions action on account and debit cards in was frauded.

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 2023-10-04 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-04 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I submitted the following information through Mohela secure email on XX/XX/XXXX2023 and XX/XX/XXXX2023 and spoke with customer service representative on XX/XX/XXXXXXXX  and they were not able to give any information regarding refund. Below are the two emails sent to Mohela : The purpose of this email is to obtain information regarding payments made after my 120th qualifying payment. I have a total of 160 qualifying payments dated ( XX/XX/XXXXXXXX  ). My XXXX XXXX consolidated on XX/XX/XXXXXXXX  ( documentation below ) and my loan was discharged on XX/XX/XXXXXXXX  ; however, I continued to make payments from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  ( documentation below ). I made 14 additional payments in the amount of {$1100.00} from XX/XX/XXXXXXXX  until XX/XX/XXXX. According to your information posted on your website, and the student aid gov website these are considered overpayments ( 14 payments of {$1100.00} = {$16000.00} ) and should be refunded to me. Please review information below and check your information and my student aid gov loan history. I would greatly appreciate it if you could review the information and respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Unauthorized charge under my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Here at all truist banks here in XXXX XXXX XXXX I had an account and non authorized charges on card, and I only despoited money on account, and my pin number was on back of card and card was stolen and used. Which was XXXX dollars I want back and I sent them signed affdvaid.

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