vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: VA

Complaint narrative:
I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus 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 2022-11-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus 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 2022-11-02 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a letter in the mail from CHASE stating that I had applied for a business card account when in fact I did not. Letter was sent on XX/XX/2022. Did not contact company yet, but did report to XXXX about the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from XXXX, XXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from XXXX, Experian, 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 2022-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I purchased a one-way domestic plane ticket using Ultimate Rewards points. On XX/XX/XXXX, I went to ultimaterewardspoints.chase.com to switch to a different flight on the same day, but the website advised that I could only cancel and re-book. I canceled the ticket the same day. After canceling and attempting to re-book, I learned that ( a ) it's not possible to rebook directly with the airline ( despite the fact that it's a credit with the airline and not Chase ) and ( b ) it's not possible to rebook in a lower fare class. Neither of these facts appear anywhere on the website ( in fact, it implies in several places that you have the option to rebook with the airline directly or with Chase Travel ) and, after speaking with several agents, none were able to identify where I could find these policies on the website. At present, I'm unable to rebook online at ultimaterewardspoints.chase.com or aa.com, and when attempting to rebook over the phone, the agent will tell me they can't do it, that they need a supervisor to assist, and then I get transferred to the wrong number. 

The relevant XXXX  XXXX  is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
On XX/XX/2022, I attempted to get my annual free credit report. I was unable to proceed after the security questions were returned as incorrect. I didn't believe this to be true. I called their Customer Service line, and proceeded to do an immediate Identification and facial check over their secure line. It was with a XXXX XXXXXXXX XXXX  and my in the moment photo scanned by them. They indicated that my identity could not be determined from the XXXXXXXX XXXX  they took a live scan of and my face that they took a live scan of. When I requested an explanation of why that was, they could not provide an answer, or even explain where they perceived a discrepancy. It felt like I was being denied service and discriminated against, and a false ID was absurdly being used as the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: OH

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 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 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
SPS sent me a letter stating that they would recast my loan. This was done forcefully. I never requested a recast, which implies me paying more interest AND A BALLOON PAYMENT. 
When I called they said I was too late. I received this letter too late. I received it on XX/XX/XXXX, they said I had to call on XX/XX/XXXX, through no fault of my own. 
i called and they had originally said it was done, then they called me back and said i had to take the recast. 
If there is a time limit on responding they should have sent the letter certified. 
I DO NOT WANT A RECAST of my loan. They make it sound like it is a good thing, when in fact they are just trying to collect more interest on the loan. 
Who knows how many more people they have done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I opened A Capital One Account because the were offering a {$250.00} Bonus.. On XXXX there was a withdrawal of {$500.00} and then on XX/XX/XXXX There was another for XXXX I put in a dispute and i received the money back on XX/XX/XXXX while they were investigating the Issue. On my statement in the memos it shows XXXX XXXX. I now have received a email that states the have found this to a good transaction.. I have asked for proof and they keep telling it takes time to gather this info. They have stated in the email that the funds will be taken out on XXXX Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: SC

Complaint narrative:
XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK

Complaint narrative:
Dear CFPB, I am writing to desperately ask for your help. I live in XXXX and I was scammed badly and lost all my life savings, plus the money I borrowed from my family and short-term loans/mortgages from financial institutions that I am now unable able to pay back. 

Below is a summary of what happened to me : On XX/XX/2022, an XXXX guest named XXXX XXXX XXXX XXXX XXXX tried to book my house for XX/XX/2022. He then asked me to connect with him via XXXX so he could have further questions. His phone number was XXXX. 

During our conversations on XXXX, he told me that he lived in XXXX XXXX and that he came from XXXX as an investor. He told me that he was very successful in investing in XXXX and bought properties in XXXX  and XXXX XXXX from the profits he had made from XXXX trading. He asked me if I ever invested in XXXX and I told him that I had never invested in XXXX and did not know anything about it. He said he had been trading in XXXX for 8 years and was doing in-depth market analysis and only traded when there was a market node, so it was 100 % safe. 

He asked me to try and guided me to open an account with a trading platform called XXXX, and later he moved me to another platform called XXXX. At first, I put in {$500.00}, then he said the minimum for XXXX  future trading was US {$1000.00} but since I was in XXXX, I had to put XXXX XXXX. I thought Id give it a try. After I put {$2000.00}, he traded it for me and showed me the profit for every single transaction which was XXXX XXXX XXXXXXXX %. He then convinced me to put more money in as he said there were more market nodes coming the following week. He then told me that there will be a bull market coming in XXXX and this was to be said once-in-a-lifetime opportunity and convinced me to sell all my stocks, cash out my RRSPs, and borrow money to seize this short-term opportunity and that once the bull market was over, I could take out all my capital and profits. 

I sold all my stocks, cashed out my RRSPs, got a few loans from my equity line of credit, family and friends After he had me send him money to his multiple bank accounts in XXXX and XXXX, he would not let me withdraw my capital, then disappeared and shut down his fake trading websites. 

On XX/XX/XXXX, I reported the scam to my bank XXXX XXXX XXXX XXXX ), the police in XXXX and the FBI in the US. 

My bank tried to recall the last 2 biggest wire transfers to East West Bank on XX/XX/2022 in the amount of US {$540000.00}. I also contacted East West Bank on XX/XX/2022 and was told that it had frozen the scammers bank account but they did not refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have had a credit card with Citizens Bank for approximately XXXX XXXX XXXX XXXX XXXX. I was initially granted a credit line of {$9700.00}. 
A few months ago I was about two days late to a payment. Totally my mistake. I was very busy, lost track of the days, and made a payment the moment I realized my error. 
Citizens retaliated by cutting my credit limit down to {$4600.00}, with no warning and no explanation for weeks following the decision. 
Fast forward a few months to yesterday. They sent me an email stating that my credit limit had been restored to {$9700.00}. I was greatly relieved as the limit cut had hurt my credit score. 
I called today to inquire as to when the increase would take effect. I was told there was no increase and that the email must have been a scam. I work in tech and am trained to recognize scam emails, and I assured the agent that this email was from Citizens Bank. It wasnt until I requested a supervisor that they CONFIRMED that this email was sent by Citizens in error and had been sent to multiple customers. They offered a lukewarm apology and no recourse at this time. I am disgusted and strongly considering moving my finances to another bank that has more respect for their customers, and is more careful with their communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: OH

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 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 2022-11-02 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: MD

Complaint narrative:
I have an account credit one that is showing on my credit and I never opened it. Found out about it thru running my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: OH

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 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 explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
I fell behind on my payments in XXXX when i got laid off of my job due to XXXX I was very honest with Axos and told them what was going on and made payments when i was able to, I then got evicted and had to move and get a new job so i was about XXXX past due and they put my vehicle in for repossession on XX/XX/XXXX. i tried multiple times in XXXX and XXXX to make a payment and set up a payment plan but they refused and told me that my contract had been sent to another department so they could no longer help me or take any money. They gave me the number for the repossession department and i called multiple times and left messages and nobody ever called me back in regards to finding a way for me to keep my car. They told me i would need at least half and when i tried to pay them almost half they still refused and said they want the car not the money. Then when i asked when they would be picking up the car they said they could not give me any information. Then i had an investor call me and we scheduled for the vehicle to be picked up on XX/XX/31 and they still have not picked it up or reached out to me.

Company response to consumer: Closed with explanation