vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of XX/XX/2021 Trans Union wiped our all my accounts. Attached is a report dated XX/XX/2021. It will show all the accounts that were deleted affecting my score and borrowing. I opened up a complaint # XXXX and CFPB closed this complaint without resolving this complaint. How can my XXXX and XXXX have 12 to 13 accounts and Trans Union only have 1. This should be a red flag. I am somewhat dissapointed that consumers have no where to turn. Take time and look at the attached TransUnion report, and tell me something is not wrong. Do not close this complaint until TransUnion restored my account with all the correct information. I haven't received any correspondence from Trans Union.

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 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a business account in which I got XXXX transfer sent to the account was taken. When I called in the first time I was told by a representative take they couldn't make money off my account and that they will be closing it. They gave me the run around the money that was sent to my account and said they would mail me a cashiers check. Then they made up an excuse saying that the money was sent back. They lied to me about everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: IL

Complaint narrative:
I have submitted dispute letters to this company multiple times stating that a BANKRUPTCY on my report was not correct, and they returned back stating the information was verified by the XXXX & XXXX and I have documentation from both of those sources. XXXX indicated that they deleted the information and the COURT stated they don't verify that information. They are reporting false information and it needs to be removed immediately.

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 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
Im really worried that USCB AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. USCB AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX never granted consent to USCB AMERICA to contact me. USCB AMERICA has/ or purchased my private information without my consent. I never contracted with USCB AMERICA. USCB AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand USCB AMERICA to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for USCB AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ). 

USCB AMERICA violated 12 CFR 1006.14 ( B ) -1, USCB AMERICA has been abusing me and harassing me in an attempt to collect an alleged debt by repeatedly and continuously calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NC

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX shows my Capital One credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with XXXX XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When Capital One is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my Capital One credit care as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had a credit card with NY & Co, had placed an order in XX/XX/2021, and XX/XX/2021. I then placed my third order of 2021 on XX/XX/XXXX. I received no error message, and order showed processing. I received a letter on XX/XX/2021 stating my account had been closed due to inactivity and/or information on my credit report. My score had recently gone down due to increased usage overall, but Ive never been late on any credit card payments. The funny thing is, they still shipped the order, even though they closed my account, so they still wanted that sale. I called Comenity, and they stated that was their policy. They said my account was closed on the XXXX, and it must have taken a couple of days for it to show, since I placed my order on the XXXX. So now I received my order that I had to pay on a closed account. Even if my overall usage went up, I had been making purchases with the company and was never late on this card or any others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: IL

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Absolute Resolution : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through 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 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Account Systems ( Collector ) claims that I owe a debt from a medical office back in XXXX from XXXX XXXX. I did not recognize the debt so I issued credit bureau disputes of the debt and the credit bureaus ( XXXX, XXXX, and XXXX ) and they reported after 6 months of disputing as " verified as accurate '' with no proof it was actually validated ( I understand they won't disclose how they verify it ). I took it one step further and had a consumer representation firm contact Eastern Account Systems. Upon further discovery, the company had disclosed on a recorded line that when they received the first request for debt validation in XX/XX/XXXX they had not received the verification of the debt until XX/XX/XXXX ( 9 months later! ). This is a gross moral and legal injustice as they continued to report to my credit reports that they had verified the debt as accurate and per FDCPA guidelines they have only 30 days from the initial request for validation ( XX/XX/XXXX ). So not only did they breach the 30 day mark, it took them roughly 270 days to actually verify the debt. I have even gone one step further and reached out to Vice President XXXX XXXX regarding this issue and it has fallen on dead hands. This company is disgusting in their actions and have ruined my chances at getting proper credit representation which I hold very highly. I pray for this company to dissolved and discredited in all of their actions. Absolutely terrible functionality and arguably illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2021, I received a letter appearing to be from Navy Federal Credit Union. The letter appears to be a response to an account with them. As I have never opened an account with said company, I contacted them. 
On XX/XX/2021, Navy Federal Credit Union reported this account to my credit report. On XX/XX/2021, Navy Federal Credit Union reported this account as valid. On XX/XX/2021, NFCU not only reported this as valid, they reported it as delinquent and that I owed {$12.00}. This report caused financial and emotional distress as my XXXX and credit report reported a negative thus, dropping my score drastically. 
XXXX XXXX XXXX XXXX has not been successful in solving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 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: CA

Complaint narrative:
This company fails to report accurate information on my credit report and their actions are adversely affecting my credit report. This company is reporting that Ive been delinquent on my credit card payments three months in a row when this information is false. I owe this company XXXX dollars, in addition, they are not available or even have an adequate customer service number to directly dispute these issues, nor do they adequately respond to customer emails. They reported my account falsely as being delinquent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX in addition to XXXX XXXX XXXX  These inaccuracies should be immediately removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2021, I made an ATM withdrawl. I requested {$200.00}, a mix of {$50.00} 's and {$20.00} 's. The machine dispensed two {$50.00} bills. Because the branch was not open yet, I called Wells Fargo and started a claim. The claim was denied. I then went into the branch and filed an " escalated claim '', which was also denied.

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 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have received a collection letter because the XXXXXXXX XXXX in XXXX, Georgia, failed to properly close my account despite my in-person request and confirmation it was officially closed. I went to the branch located in XXXX grocery store on XX/XX/15 to close the account, reported the debit card lost and brought my account balance to XXXX. Weeks later, I received a letter my account was overdrawn. I called customer service to find out my account was not closed, and the debit card was still active. The collection letter is from Convergent Outsourcing requesting a debt I do not owe.

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 2021-12-27 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:
On XX/XX/XXXX at XXXX I was in the middle of depositing a check at an atm. Near the end of the transaction the screen informed me that the funds would be available on XX/XX/XXXX. Thats a XXXX day hold. Immediately I pressed cancel on the keypad rather than continue on the screen. That did nothing to cancel the transaction. The screen had NO OTHER option other than continue. So I requested bank personnel to assist me. They came over to the atm, listened, and offered no way cancel the transaction other than to wait with me to see if me hitting the keypad cancel button would cancel the transaction. Without me touching continue the screen advanced and deposited my check. Bank personnel informed me they could do nothing. They said I should call the phone number on the bank of the atm card. I did. After XXXX minutes on hold I was informed that the service representative could not help me so she transferred me to a senior level customer service department. I was informed that it would be a XXXX minute wait. XXXX minutes. 

The bank is Chase. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, IL The check amount is {$15000.00} The issuing institution is XXXX. 
The fund is the XXXX XXXX XXXX XXXX. 
The check writer is my father, XXXX XXXX. 

My complaint is that 1 ) I should have been given the choice to cancel my transaction after learning about the XXXX day hold 2 ) a XXXX day hold in this modern era is an entirely unreasonably long period of time. A long hold when the issuing institution is XXXX, or any other respected institution, is also uncalled for. I used to be a teller. I remember phoning institutions in order to verify funds availability. That was 35+ years ago. This issue is not new. We had a solution for it but it seems Chase can no longer serve its customers in this way. 
3 ) a 60+ minute hold time is unreasonable when I simply want my check back. 
4 ) I fully expect that Chase will refuse to return my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: IL

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX ( XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through 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 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
have an open account with PNC bank and i want to close this account but i tried 10 times to get in contact with someone to close this and they make it impossible to get to someone. after 50 min they pick up and tell you that you need a different department and they keep switching you back and forth and they keep charging me overdraft since there is a monthly charge on the account. 

Please just help me closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
I have a cashapp account XXXX XXXX that has a balance of a few hundred dollars. I got a new phone for XXXX. I wanted to transfer my cashapp account to the new phone. I logged out of my cashapp account in my old phone. I attempted to log into my cashapp account in my new phone and during the authentication process I receive a prompt stating " we're sending you a link ''. However, no link appears in my email or text messages. Without the link, I apparently can not log in. Now I can not log in to my old phone or my new phone and can not access my funds. 
Section 3 of the terms and conditions states : " In case of errors or questions about your account, you can Contact us through your Account in the app ''. However, I can not log in to contact support. Section 3 also states : " You can also call us at XXXX ... ''. However, when I attempt to call that phone number, a recorded message says they are too overwhelmed to answer calls and that I should log in using the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Earm LLC
State: DE

Complaint narrative:
I've been called off and on since XXXX with the same story, and reported it every time. 

I'm told I opened a payday loan in ( constantly changing date ) for ( constantly changing amount ) and told it will go to court. The first call I receive always states that they've tried to contact me several times-but it's always a new company, or claims it is. 


I never opened this account, the debt is not mine. I informed them of that fact and asked them to cease contacting me, or send me the information so I can add it to my police report if the report is still active. I received neither, simply more harassing calls claiming to be from two different companies for the same debt. Several times I've been given my own social security number over the phone which is both illegal and makes me very uncomfortable as my SSN has been in the wind since XXXX when it was stolen at my dorm.

Company response to consumer: Untimely response