vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

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 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX, I began my journey of purchasing cryptocurrencies. XXXX, XXXX, XXXX, XXXX and XXXX were the cryptocurrencies I purchased for a total of {$7000.00} XXXX. 
Fast forward to early XXXX when I tried to activate a coinbase XXXX XXXX XXXX  that was mailed to me by Coinbase only to find out that my account had been suspended. It's been over a year that I have unsuccessfully been able to activate the card or even try and reach an " Account XXXX ''. Apparently, an account XXXX is the only person that can reactivate my card. 
I am reaching out to you in hopes that you can assist me in retrieving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CO

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I pulled into an XXXX XXXX XXXX managed by XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, and plugged the XXXX XXXX into my vehicle. I then tapped my credit card into the unattended payment terminal ( referred to as vending machine ) to charge my vehicle. The vending machine indicated a generic error, such as : " Error, unable to XXXX  vehicle '', and my vehicle had received no XXXX, with XXXX energy dispensed. As I initially tapped my card via mobile payment, I got a notification for a charge of {$50.00} which is typically normal with a gas station or kiosk. I have not received any services dispensed, nor a receipt or confirmation of payment. 

A day later, I noticed that the {$50.00} charge has posted to my account statement, and has not released from pre-auth. 

I've opened up a credit claim ( Claim ID : XXXX ) with my credit card company Bank of America XXXX days later on XX/XX/XXXX, where I have been prompted to provide additional information twice, as if I was not verbose enough initially. I have provided additional information on both XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter indicating that my claim was denied. ( attached ) I called the bank back on XX/XX/XXXX to discuss the claim, the rep was appreciative and said it must've been declined in an error, and helped me reopen the claim. 

The reopened claim ( Claim ID : XXXX ) has been in " researching claim '' state from XX/XX/XXXX to XX/XX/XXXX. 

Upon calling to inquire on the latest claim, the latest rep was not so supportive, and mentioned that I did not provide enough proof that I did not receive the services, even after mentioning that the kiosk simply did not dispense. The rep was unable to provide any correspondence from the merchant, nor their bank, and continued to say that they have " federally regulated billing policies they must abide by ''. 

I don't often do chargebacks, this occasion just happened to be an erroneous vending machine that didn't dispense, and my bank handled the situation poorly. I am not even upset with the merchant as I am with the bank. I've been a customer with them for over XXXX years with not a single claim. Other banks at least either provide immediate credit ( XXXX ), or provide correspondence from the merchant or disputed bank. To me it feels like my claim hasn't even reached the merchant or their bank before my bank just decided not to throw it away. 

The only reason I am still with the bank and using their card is because of their XXXX XXXX program and reward multipliers. This experience has tarnished any real positives I have for Bank of America.

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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Victim of ID theft via the XXXX data breach.

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 2024-05-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
I have filed over XXXX disputes with Trans union regarding an account that was opened that I had no idea of, XXXX XXXX It was opened in XXXX. XXXX and XXXX removed this immediately. I just spoke with trans union again who have hung up on me XXXX and refuse to discuss this being on my account

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 2024-05-14 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: TN

Complaint narrative:
I am writing to ensure a response from EXPERIAN regarding the XXXX history of the accounts that were recently disputed, updated, and still 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 2024-05-14 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: CA

Complaint narrative:
just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b

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 2024-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked the companies to remove inquiries off my report as I am unfamilliar with them. Im being solicited for promotion because of these inquiries and i have requested they be removed from each company. These companies are now invading my privacy per the Privacy act of 1974, FCRA, and 15 USC 1681b : Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked the companies to remove inquiries off my report as I am unfamilliar with them. Im being solicited for promotion because of these inquiries and i have requested they be removed from each company. These companies are now invading my privacy per the Privacy act of 1974, FCRA, and 15 USC 1681b : Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

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 2024-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was booking a flight through the XXXX XXXX website. During the checkout there was an advertisement for the XXXX XXXX XXXX The advertisement takes your purchase price and incorporates it into an image. For example, in this case my ticket was {$120.00}. That exact price is shown in the advertisement. 

It states that when I apply for this credit card ( and am approved ) they will credit the first {$400.00} charged on XXXX XXXX in this case the {$120.00}. 

So, I applied for the card and was immediately approved. However, at the end of the application you are not redirected to the XXXX XXXX. So, I went back to the XXXX XXXX and to the process of purchasing my ticket. 

Now begins the problem. The advertisement shows that if you apply for this credit card, you can use it to purchase your plane ticket and get the credit but no credit card number or temporary manner is provided for you to purchase the ticket. Instead, you're told that you'll receive the credit card in XXXX business days. Until then, you can't use the advertised promotion because you don't have the credit card on hand. 

Your only option is to wait to receive the credit card but if you wait XXXX days then surely the price of the plane ticket will go up so you feel forced to purchase the ticket on a different credit card and use the promotion on a future ticket. However, that's not what's advertised. What is very clearly advertised is that you spend ( in my case ) {$120.00} and you get back {$120.00}. 

I have contacted CitiBank on both regular customer service number and at the credit card application number and both have told me that they can not help me and that I will have to wait for the card to be in hand.

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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Victim of a home invasion 3 years ago. Suspects took everything. Months later my information was used to purchase a car, several credit cards and other items. It's taken me several years to remove some of the fraudulent accounts. I'm still in the process of removing the rest.

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 2024-05-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Victim of a home invasion 3 years ago. Suspects took everything. Months later my information was used to purchase a car, several credit cards and other items. It's taken me several years to remove some of the fraudulent accounts. I'm still in the process of removing the rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: NCD Financial, LLC
State: FL

Complaint narrative:
Upon checking my credit report, I found that the company NCD Financial LLC is illegally reporting fraudulent and negative information to my credit reports.

I have never done business with this company, nor have I ever opened an account with this company. They are reporting balance on an account that does not belong to me.

I immediately disputed this account with the credit bureaus and I immediately contacted NCD Financial LLC to let them know that they are illegally reporting an inaccuracy to my credit report. When I notified NCD Financial of this error, they quickly disregarded me and refused to assist me in any way. They stated that the account was opened online and anyone can open an account online. They also stated that they are not the police and it is not their job to investigate fraud.

They proceeded to transfer me to a collection company called XXXX who also refused to assist me with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX : My XXXX  passed away several years ago and I sent his death certificate to Chase Bank in XXXX before. My XXXX  was a XXXX and was working in XXXX, XXXX. And I am also a XXXX working in XXXX, XXXX too. Recently, I tried to close my husbands account in Chase Bank in XXXX since that one only has his name and the amount is only about {$2500.00} USD. This account was set up because of direct deposit from XXXX employer. The bank XXXX asked to notarize for his death certificate which I did and I also went to Michigan XXXX Department and got the authentication. But the bank still asked to have several more document. Here is what they want : XXXX or XXXX XXXX Seal for Death Certificate Foreign Probate ( with cert translation if not in XXXX XXXX or XXXX XXXX Seal ) Transfer Certificate or Affidavit in Lieu of a Transfer Certificate I asked Michigan State Department and they said they have done authentication but they dont do the XXXX. I also called XXXX XXXX  in XXXX many times but never got people answered. I also sent message to Chase Bank and ask what I can do for those document since it related to both countries. But they didnt answer. 

I am wondering why the bank set so many difficult tusks to make people so miserable? 

Thank you so much. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've always ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with explanation