vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Good morning. I got scamed over the phone and they used my XXXX  application in chase bank to transfer to their account in XXXX  XXXX XXXX using my phone number. They got in to my account and just transferred the money. I gave them code confirmation over the phone due to " block unauthorized '' transactions. Turned out it was some approval code. He manipulate me that someone got in to my account and tried to transfer the money. 
I file the claim to my chase bank but 3rd day and no results. They not sure if they will get my money back because it was XXXX  transfer so its like cash transfer. It happened on XX/XX/XXXX. 
Once i finish the call with scam, i called my bank to double check if its true and it was not. so i told them its fraud and not authorized transaction. 
And another issue is that i can not contact XXXX  XXXX XXXX over the phone, because im not the customer. And i can not contact them and remove my phone number from someone account.. because now my phone number for XXXX is XXXX to XXXX XXXX XXXXXXXX and i dont know how to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AL

Complaint narrative:
I applied for a credit card with discover under good faith having 2 income sources and being creditworthy based on the equal credit opportunity act and the fair credit reporting act, having sent letters to dispute fraudulent information reported on my credit history. Discover discriminated against me citing that a collection was the reason why yet, i am not responsible for the collection and have documentation proving so. They have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for not removing multiple items on my credit report that I have disputed as " Not Mine. '' Equifax has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) 611, 15 U.S.C. 1681i, and the Fair and Accurate Credit Transactions Act ( FACTA ) amendments to the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ), to ensure the accuracy and completeness of the information on my credit report. Despite providing them with the legally required notice, Equifax has not taken the necessary actions to resolve this issue. I request that the CFPB intervene to ensure Equifax conducts a thorough investigation and removes the disputed items from my credit report in compliance with the applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-08 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: EQUIFAX, INC.
State: FL

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

Account name : XXXX XXXX XXXX Account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: AR

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Please see attached checks submitted to XXXX XXXX bank in my account. XXXX XXXX did not submit checks to me. I have 8 reps from Huntington bank and 4 from XXXX XXXX on recording confirming these check raise red flags due to numeours things wrong with the checks account numbers, routing numbers, the branch number being bogus, the handwritting on the checks. All the information provided to me was the check looked as if it cleared but no funds were deleted from XXXX account. A branch manager has confirmed the watermark is not that of Huntington bank and I can provided audio. XXXX XXXX has stated that they believe someone is impersonating me and cashing these checks. It is my belief that XXXX has had help at a local branch level of XXXX XXXX and that these checks were made to appear that the checks were deposited into my account and withdrwrawn but can not produce withdrawl slip for transactions. I was out of town duirng transcations. My statements that are in PDF form reflect a differnt account for the transaction from before I went into the XXXX XXXX branch on my own and then differnt after a XXXX, Ga police officer went in with me. There are 4 differnt snapshots of the account and all are differnt from time to time. There is fraud comitted here!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
Missing money, money disappears, inability to login, no transaction history of lost money, failure to merge accounts, emailed company, company responds call us, phone calls go to foreign operatives

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 2023-04-09 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: TN

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being 7 years old. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being XXXX XXXX XXXX. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
This is the third complaint against TD Bank which is systematically lying in its responses. Although their response of XX/XX/2023, fraudulently claimed that " no credit card claim found for XXXX XXXX transaction in question in the amount of {$280.00}, that particular charge was reflected on the credit card # XXXX on XX/XX/2023. Then there was another lie about our alleged failure to file a dispute. We have been disputing charges of XXXX XXXX. On XX/XX/2023, we called TD bank and talked to a person by name XXXX who transferred our call to a fraud department, and I talked to a person by name XXXX. In response to that dispute of illegal charges made by XXXX XXXX TD bank issued a new credit card. But when I started to use the old charges showed up. It was when I filed a second complaint because I felt cheated and abused. Moreover, I disputed charges in my written correspondence to TD Card Service in XXXX OH. On XX/XX/2023, I provided documentary evidence of XXXX XXXX  removing all their fraudulent charges to CFPB and TD Bank. But TD Bank continues to lie about the situation!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 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: AL

Complaint narrative:
In reference to my XXXX XXXX account XXXX, disputed on XX/XX/ regarding my account status is currently showing recently past due of 30 days is incorrect. XXXX XXXX has stated they have been sending current account status showing I've been paying on time for over 24 months. Experian has not corrected their mistake causing hardship to me in receiving new credit and credit line increases. This is a request for them to correct the account status error and/or for them to pay fines for the unfix correction.

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 2023-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Company handed me a car I couldn't afford to pay back. I would consider this predatory lending. They didn't look at my income very wisely. The cars initial worth was XXXX $ and I end up paying upwards of XXXX $ after the high interests rates of 25 %. My car has been repossessed

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 2023-04-08 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: NC

Complaint narrative:
I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I applied to a checking and savings account from Bank of America. Recently, I was informed that I had reached a limit to account-to-account transfers. I also was informed of fees associated for such limits. However, I was NOT informed of any limits or fees when I applied to Bank of America. I was not told of relevant information to make an informed decision based on my financial security. I applied to Bank of America with initial trust that they would take care of my money and be honest and upfront with their procedures and policies. I was deceived by them withholding information and not being upfront about their fees until after the fact.

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 2023-04-08 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: NJ

Complaint narrative:
In XXXX I reported a dispute with CFPB complaint ID XXXX in regards to Equifax reporting that my mortgage account was closed. Within 48 hours of the complaint my credit score went up but Equifax still had it as closed. Today XXXX I checked my credit score an saw that it changed. I investigated an found that equifax had the account removed from my creditXXXX XXXX an XXXX  never had it as closed or removed. I contacted Equifax an they said that XXXX ( my XXXX  ) had told them that it was deleted. Keep in mind that my wife is also on the account an has not been effected at all. Im at my wits end with this company. According to Equifax they remove closed accounts after 7 years.

Company response to consumer: Closed with explanation