vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CORELOGIC INC
State: CA

Complaint narrative:
I am trying to opt out of sharing my information and would like to request a copy of any data they are currently holding.this company. I tried to call the number and I keep getting disconnected

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposited a cashiers check from XXXX XXXX XXXX and Chase Bank placed a 7 day hold on this cashiers check. 

They have no reason to believe the check issued by XXXX on behalf of XXXX XXXX XXXX would be NSF. 

I spoke with Chase and they were able to verify funds with the issuing bank and still refused to release the funds. 

Additionally I previously deposited a check from the same Credit Union and the same cashiers check that already cleared and poted to my account. 

I have been charged several {$34.00} charges for being overdrawn when in fact my account has had money in it since XX/XX/23 via a cashiers check deposit of {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2023 i informed XXXX  to know that i received a credit report that had several inaccurate information on it such as several names and addresses that wasnt mines i stated that the company ( XXXX  ) should remove these due to the FCRA obligating credit agencies to report accurate information in which i recieved a updated report that still had several inaccurate addresses and names as well as employment innaccuracies. 15 usc 1681n states that a credit agency SHOULDNT BE WILLFULLY NON-COMPLIANT if that said agency ( XXXX ) is being non compliant thats punishable up to 2years or a XXXX $ fine per inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received notification for a potential fraudulent charge on my Truist checking account on XX/XX/, that was charged for XXXX. I contacted the bank on XX/XX/ saying I did not make the charge. While looking through my account statement I noticed there we additional fraudulent charges from XXXX that I did not make. I told the bank that I have never used my debit card for an XXXX and that any transaction attached to XXXX was fraudulent. The bank 's claim adjuster told me the claims went back to XXXX. I received a letter in the mail stating that my claim was denied. I called the bank for an explanation and was told that because I had done a transaction with XXXX in XXXX that I had a history with the merchant. I again told the bank that I have never used this card for an XXXX. They continuously told me that because I have a history with the merchant that my claim was denied. I then told them once again that I have never used this card with that merchant. The bank said that they would then review the claim again with the additional fraudulent charges. 

I was never contacted throughout the duration of the investigation to the possibility there were additional charges from that merchant. There were a total of 41 fraudulent transactions from XXXX totaling {$1700.00}.

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 2023-12-06 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: MS

Complaint narrative:
i notice some items on my credit report that wasn't mine and i filed an identity theft report on XXXX XXXX and sent it certified mail to all 3 CRA 's, they received it on XXXX XXXX and the information was supposed to be blocked and deleted within 4 business days of the receipt.It is XXXX XXXX and nothing has happen as of yet. they have violated 15 usc 1681c-2 and i request the information from all 3 CRA 's be deleted at once before i turn this matter over to my attorney to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: MS

Complaint narrative:
i notice some items on my credit report that wasn't mine and i filed an identity theft report on XXXX XXXX and sent it certified mail to all 3 CRA 's, they received it on XXXX XXXX and the information was supposed to be blocked and deleted within 4 business days of the receipt.It is XXXX XXXX and nothing has happen as of yet. they have violated 15 usc 1681c-2 and i request the information from all 3 CRA 's be deleted at once before i turn this matter over to my attorney to sue.

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 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp is the absolute WORST company! Theyre all frauds and have absolutely no interest in helping the customer. I filed a dispute and of course they did nothing at all to help me and then turned around and closed my debit card. After sitting on the phone 40 minutes and their agent trying to tell me it was because of unusual activity to a merchant I purchase from almost every day for the exact same order so after I explained that was a lie, I was then told the issue was resolved and the card is open and ready for use. Well once again that was a lie because it declined again so another long hold with customer service I was then told I can not use my debit card because it was closed and her answer to why was she didnt know? This is a scam company and they dont even care to have knowledgeable employees. Im going up to the top with this, to social media as well as an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX, Need-a-tech HVAC ( XXXX ) installed an air conditioning unit on my home, financed by Finance of XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX. The principal balance was {$11000.00}, which included special financing of no interest for 18 months. I received a letter from Concord in XXXX that mentioned they were now servicing the account and that the special financing would expire by XX/XX/XXXX. I then contacted Concord 's customer service department for the first time and explained that I had a financial hardship and had not received a paycheck in XXXX months. I was willing to pay the principal balance of {$11000.00} if they could extend the special financing or waive the deferred interest because I would have to withdraw the money from my retirement account. I was given an email to their resolution department and was told to explain my financial hardship and include my most recent pay stub. I provided everything that was requested on XX/XX/XXXX and emailed it to XXXX. The following day ( XX/XX/XXXX ), I received a response from the Concord XXXX department saying that their " client '' was not granting my request. I called Concord and asked for the name of the " client/investor '' so that I may escalate my request, and I was told that they did not have access to that information. I called XXXX XXXX XXXX and spoke to a representative named XXXX, who confirmed that the loan had already been sold to another investor but was also unable to tell me who. At this point, I am willing to pay the principal balance of {$11000.00}, except that Concord removes the present accrued interest and any possible negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NY

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a store credit card from Jared the Jeweler with a huge limit which i used to purchase some jewelry, and I had 18 months to pay it off without interest. I thought that the amount I was asked to pay every month would pay the card off by the time the 18 months was up. I even paid more every month than the minimum due. For some reason I stopped receiving statements in the mail the last few months. But I'm used to paying online every month, so I never even notice that I wasn't receiving any statements in the mail. If I saw the statement in the mail, I would check to see the information and the notice that my 18 months was coming up. In my head because I wasn't receiving the statement and thinking that the money, I was paying every month would pay off the card by time the 18 months was up I wasn't worried. I paid all my bills onetime and if I knew that the 18 months expired XX/XX/, I would have paid the card in full. I had no idea, and I never got any notification via statements or email that if I didn't pay off the card by XXXX XXXX XXXX, I would be charge {$3000.00} in interest. On top of that I'm paying 36 % in interest every month. I think that's unfair for a person who has excellent credit and never missed a payment with Jared for the time I've been with them. I could have paid off the balance long time ago, but I said why rush if I'm not paying any interest ; I would just keep paying the balance due every month and a little more if I can. I was down to approximately {$4500.00} and now I owe almost {$8000.00}. I visited my account yesterday XX/XX/ and I notice that now my account change from paper statement to online statement and I never made that change. I would never do that because I prefer paper statements. All my other bills are paper statements. I think this is a big scam by Jared and their goal is to actually lock you into debt and high interest and not actually to help you because with this extra {$3000.00} plus how much interest. In the long run as of today I would end up overpaying for the item that I purchase, plus 36 % in interest rate for someone who's credit score is almost at XXXX and never missed a payment for over 15 years is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
XX/XX/ I received an email from Frost bank saying account was registered. And debit card is on its way. After an hour I received a call from Frost bank asking did I open an account with them and I said no. They asked me to complain in this website regarding this issue. And also they said they closing the account. 
But I think my email is comprised. I been getting activation links from different companies. More than 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
After looking at my credit report I noticed on XX/XX/ there is an inquiry from ccb/XXXX on my report that is inaccurate and not mines. I am requesting this unknown inquiry be deleted and removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: MO

Complaint narrative:
I recently submitted a complaint through the CFBP portal outlining the fact that Transunion has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Transunion ignored the complaint and closed their response through the CFPB portal without resolving the issue. Transuion continues to place an old, unverified Aleged debt from XXXX that stems from a closed XXXX XXXXXXXX child support case. The case was based on fraud and got dismissed by an XXXX XXXX circuit Court Judge. Without any certified evidence, proof or documentation from a Judicial officer, Transunion arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Transuion, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX Childsup is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company is trying to say I had car insurance with their company but I never did and I submitted them proof that I didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove ll names addresses and phone numbers that are not mine

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove ll names addresses and phone numbers that are not mine

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove ll names addresses and phone numbers that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation