vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: MO

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/year>, I submitted a dispute to Experian regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including copy of bank statement and drivers license. However, Experian has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. Experian 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Experian for violating consumer protection laws. I request that Experian be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
the following date 's I sent in disputes regarding a public record. Showing on my Equifax credit report XX/XX/2023 XXXX XXXX, and XX/XX/XXXX, XXXX on XXXX XXXX I received a credit report from Equifax XXXX the bankruptcy court verified this information as mines XXXX stated that they received the information from a third-party vendor XXXX that statement id misleading I have a letter from XXXX that the bankruptcy is no longer reporting on my consumer 's file. Please see documents.equifax fail to conduct a proper investigation under 15 USC 1681 ( I ) ( A ), the bankruptcy court or the clerk dose not report to the CRA 's,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX XXXX XXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: SC

Complaint narrative:
Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

XXXX finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

TransUnion finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 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 ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXX XXXX XXXX attachment is before the reinvestigationXXXX XXXX XXXX XXXX attachment is after the reinvestigation**

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 2024-04-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

Experian finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

XXXX finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 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 ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXX XXXX XXXX attachment is before the reinvestigationXXXX XXXX XXXX XXXX attachment is after the reinvestigation**

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 2024-04-08 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 3rd party. They in fact did not come from a 3rd 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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have XXXX dollars in Coinbase, I have tried to withdraw them, send them and I have not been successful, they always tell me that there is an error on the part of the company and they have withheld money from me. 

I have spent on commissions trying to send the money and changing digital assets and nothing. 

terrible broker service. 

They also do not explain when they are going to solve the problem or give solutions on the website. 

I need my money in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of XXXX I purchased a TV at Best Buy and they said I would get a discount if I signed up for a Best Buy credit card, so I did. I paid off the TV immediately and never used that card, neither online nor in person. In fact, I never even brought that card out of the house, just stuck it in a drawer. 

Then in XXXX of XXXX, I received a bill showing a {$690.00} purchase was made on XX/XX/XXXX. I did not make that purchase. The only detail on the bill was " BESTBUY.COM ''. I disputed the charge but then on XX/XX/XXXX BEST Buy added the charge back to my account saying it was valid. I called again and they said XXXX iPads were purchased online and picked up at the XXXX NJ store. I did not make this purchase. The store should be able to pull surveillance and see who picked up the item, because it was not me or anyone I know. 

I have a credit score of over 800 and would never try to get out of paying a legitimate purchase. This is theft. Best Buy did not protect my data ( I can assure you my junk drawer wasn't hacked ) and then they did not verify who they handed the items to. Best Buy should be able to resolve this but so far they have not and instead, by denying my dispute, are accusing me. 

Please assist as I don't know what else to do ( involve police? )

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: PA

Complaint narrative:
I had XXXXXXXX XXXX security system which was acquired from XXXX XXXX in XXXX. My contract was to auto renew in XXXX for another 5 years and per the contract I was to provide written notice of intent to terminate to prevent this from auto renewing. To which I mailed a termination letter to both the XXXX XXXX office and the XXXX XXXX, I called the XXXX customer service line several times, I sent emails requesting termination, and I also sent them text responses for termination. These were sent start 75 days before the contract renewed as evidence in the images provided. They did not terminate the contract and attempted to charge for additional months which I replaced the card it was charging to as the authorization for direct billing had been rescinded and the additional charges were now fraudulent. 

In XXXX I received a text message from Zion Debt indicating as shown in the images that they intended to report it to my credit by XX/XX/XXXX, if I did not pay the bill in full. This was deceptive and a lie as they had already reported the account to my credit in XXXX of XXXX. I requested all communication to be submitted via email and requested several pieces of validation as was my rights under Fair Debt Collection Practices Act as well as Fair Credit Reporting Act since I had followed the letter of the contract and provided more than the minimally required notification of termination. I never received any further communications from Zion Debt including not receiving the requested debt validation documents which made my request a legal dispute of the debt and they did not investigate, provide the documents required, nor remedy my dispute. 

My remedy is to have Zion Debt immediately and permanently remove the improperly reported collection account from all of my credit reports to include, XXXX, XXXX XXXX, and XXXX. To not report it as any change but a full and permanent deletion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I became aware that Chase reported me late on a credit card i had with them. They reported me late XXXX dats on XXXX and 90 days in XXXX. I went to their branch and explaiend that this credit card was closed and reported lsot before it was closed. I clsoed this credit acard and paid the remainign balance in full, there was no remainder balance left. After relaizing they reported me late and beiung told the charges that posted after my account was paid in full and I had nop acess to the credit card were from XXXX I told them I did not make such acharges and that they were fraudulent. I was told at the branch that the charges would be reversed and the credit reporting corrected. After this I was reported again late afte numerous calls to the fraud department I ahve not gotten any type of resolution tot his issue. My credit is now damged because of Chase invalid reporting on fraudulent charges. I need this resoleved and the late payemtns removed. 
the account number for the card was # XXXX XXXX XXXX XXXX. 

I really hope this office can cotnact Chase and get them to do what I ahev n't been able to do. Please have somoine from your office contact me as well. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: MO

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/year>, I submitted a dispute to TransUnion regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including [ copies of bank statement and drivers license. However, TransUnion has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. TransUnion 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against TransUnion for violating consumer protection laws. I request that TransUnion be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was lied to and discriminated against with the company synchrony bank. I signed up for a 0 % credit card. I called twice to make sure the payments were coming out before the promotion was over so I didnt have to pay any interest. Both times they told me I was making the correct payments And then all of a sudden almost {$3000.00} of interest was charged to me. The company told me there was nothing they can do about it they cant pull up the phone records for when I called twice. I asked them to put it in dispute. They said there is nothing they can do. I feel as being a woman with perfect credit they took advantage of me. My husband has also talked to them a couple times about this issue. They blew him off and told him there is nothing they can do they dont keep phone records? I find that hard to believe.

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 2024-04-08 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am a XXXX XXXX of very advanced age : nearly XXXX  years of age, in fact! 
I live Exclusively on my monthly Social Security bank deposits.

My monthly Social Security bank deposits, unfortunately, do not always coincide with the due date on my Valley Bank credit card as I have so informed the Valley Bank! 
The Valley Bank, in an act of outrageously brutal cruelty charges me XXXX XXXX AND XXXX ( XXXX ) XXXX IN FEES THAT I CAN NOT AFFORD WITHOUT GIVING UP SOME OF MY VITAL MEDICINES! 
IN GOD 'S GOOD AND WISE NAME, THESE FEES MUST BE REMOVED AT ONCE! 
XXXX XXXX, " Justice, justice alone shall you pursue ''!

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 2024-04-08 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: MoneyLion Inc.
State: GA

Complaint narrative:
This company hacked my checking for XXXX I never used this company I do not live in New York I haven't heard of this company and never used them. Now I have to go to my bank and straighten all of this out. This company is corrupt. 
and should not be operating. 
This company needs to be investigated. They should not have my personal information I never used them and never heard of them until they hacked me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation