vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, between XXXX ; XXXX and XXXX XXXX I tried to purchase a money order at the post office at XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. I used both my Chase debit cards and each one was declined. When I went to check my account, the money had been deducted from my account, but the money order wasn't processed. I went to the clerk again and she said that the money order was declined which is why their machine wasn't able to process it. I went back two days later to speak with her and recorded her repeating the same thing on video.

Anyway, I called and made a complaint to Chase on the same Monday to their fraud department. I was promised to have the money credited back to my account within 2-4 business days, it's been 6 days now. I called again on Wednesdays and they said it should only take 4 days at most. When I called again yesterday, XX/XX/XXXX, I was told that they would take care of it and return the money since the transaction posted. I checked my account today ( XX/XX/XXXX ) and the money ( {$1000.00} ) still hasn't been credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
My account has been locked since the beginning of the month without explanation. I have called their customer support team, and have been given zero information as to why my account has been frozen. There is no time frame as to when my account will be accessible. They wont forward me to a different department, because they are the one and only line to the company. This has caused major distress in my life. SoFi has done nothing to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
The American Express gift card was given to me as a gift on XX/XX/XXXX. I attempted to use it the next day, XX/XX/XXXX, online at an online apparel store, but the card was declined. The card 's transaction description says the card was declined due to " Missing Security Code, '' despite the fact I entered the correct security code. Additionally, my card was charged a {$0.00} fee for each declined attempt. I attempted to use it the next day, XX/XX/XXXX, only to incur an additional {$0.00} of fees on declined charges. The next day, XX/XX/XXXX, angered and frustrated, I attempted to use it with a different store, only to be declined twice, but have the transaction go through on the third try. I did not change card or shipping information, but the card apparently magically worked one time. Encouraged by this, I then returned to the initial apparel vendor, only to have the card once again declined. I then called the American Express gift card helpline only to be met by a man with XXXX phone connection so I could not understand most of what he said to me. However, when I asked him whether this was a merchant issue or an American Express issue, the man clearly replied, " There is no issue, the card just can not be used with this vendor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/2022 XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of 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 explanation
Consumer complaint received 2024-05-11 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: CA

Complaint narrative:
This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe.

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : 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 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> 30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/year> XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX 30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/2022 XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of 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 explanation
Consumer complaint received 2024-05-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2024 I contacted my insurance provider to renew my policy. I charged the premium to my Wells Fargo ( WF ) credit card. The agent stated the charge was declined. I checked my account to verify that I had enough available credit to cover the charge. My available credit was {$850.00}. The charge was for {$820.00}. The agent ran the charge again and received another decline.

I then called WF to try and resolve the issue. On the first call, I was told the charge was successful. My insurance agent maintained that the charge had been declined. Therefore, my credit card was charged but my policy had not been renewed. I insisted the matter be escalated. The WF rep then put me on hold. A few moments later, the line mysteriously disconnected. 

I called WF back and was again told that the charge was successful. I repeatedly told the WF agent XXXX XXXX that the charge was declined on the merchant side and therefore my policy was not renewed. XXXX decided to dispute the charge which resulted in me not having access to my available credit until the dispute is resolved. 

The entire situation is absolutely infuriating. I attempted to use available credit, was unable to through no fault of my own, and now I have no access to it. Neither agent had any interest or feasible idea on how to truly resolve the issue.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting a continued issue with EXPERIAN credit reporting. I have on more than four ( 4 ) occasions contacted EXPERIAN to correct : 1. wrong personal information, ( name, address, phone number etc ) 2. inaccurate account information. Each of which was uploaded to EXPERIAN.

3. I requested communication ONLY through USPS and a new free copy of my credit report mailed to me with the updated info.

4, Experian now claims it is not me requesting them to correct their information when I send utility bill, drivers license and social security number! 

To date, nothing has been done. Experian has sent emails, rather than by USPS. I have been locked out of my EXPERIAN file for more than a year! When I try to sign it it tells me WE HAVE LOCKED YOUR ACCOUNT CALL ( XXXX ) XXXX NO ONE ANSWERS THAT PHONE NUMBER! 

EXPERIAN is not above the law and is in violation of fair credit reporting act ( FCRA ). 15 U.S.C. S 1681i I am asserting my rights to get this corrected and to gain access to my credit file immediately. These are nothing but stall methods and are subject to fines and compensation. I am requesting the consumer financial protection bureau to step in and help me get this corrected! 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named Hunter Warfield had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from XXXX, XXXX, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, Metro 2 compliance ( 17a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: OH

Complaint narrative:
I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to seek urgent assistance in resolving a prolonged issue with Equifax regarding the removal of an Extended Fraud Alert from my credit file. Despite numerous attempts over the past seven months, I have been unsuccessful in getting Equifax to take the necessary steps to remove this alert, which has severely hindered my ability to access credit and financial services.

To provide context, I initially placed an Extended Fraud Alert with Equifax due to concerns about potential identity theft. However, when I subsequently attempted to have this alert removed, I encountered a series of frustrating obstacles. Equifax informed me that they had mistakenly marked me as deceased, requiring me to submit documentation, including my social security card and driver 's license, to rectify the situation.

Despite complying with their requests and submitting the necessary documentation, Equifax has failed to remove the Extended Fraud Alert from my credit file. Each time I follow up with Equifax, I am met with the same response they claim they have not received my information or that the process is still pending. 

This ongoing ordeal has not only caused undue stress and inconvenience but has also adversely affected my financial well-being. I am unable to apply for credit or financial services due to the unresolved Extended Fraud Alert, which continues to remain on my credit file despite my repeated efforts to have it removed. 

Given the gravity of the situation and the urgency of resolving this matter, I am turning to the Consumer Financial Protection Bureau for assistance. I kindly request that you intervene on my behalf to ensure that Equifax promptly removes the Extended Fraud Alert from my credit file, allowing me to regain access to essential financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account has remained unchanged on my report for years after continued attempts at successful disputes. My most recent dispute has now triggered for this account to be marked as collections in XX/XX/XXXX when this accouunt was CLOSED AND PAID IN XXXX. I am asking that this account be REMOVED IMMEDIATELY AND ENTIRELY AS IT IS NOT REPORTING ACCURATE INFORMATION WHICH IS A DIRECT VIOLATION OF MY FEDERAL FAIR CREDIT REPORTING RIGHTS. The state that I reside in, North Carolina also has a set of credit reporting guidelines that collections can only report for THREE YEARS. This account MUST be removed from my report IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: OH

Complaint narrative:
I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2024-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Have been robocalled by XXXX XXXX. they keep calling and don't leave a message. I called them back once and he said he was a debt collector but wouldn't give me any info untill I gave him some personal info which I refused. 
The is a small phone bill I think from XXXX XXXX.After 20 mos of good service they worked on the tower I use and my service stopped. afyer 2 trips to the local office and XXXX long conference calls XXXX XXXX couldn't resolve my problem and I told them " no service-no pay '' and switched to XXXX with no trouble.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday XX/XX/24 at XXXX XXXX time, I received a text message from XXXX Your Chase card needs attention. Please go to chase.com or call XXXX. Reply STOP to opt out of text msgs to this number. 
Unbeknownst to me this was a fraudulent Tex. Unfortunately, I clicked on the phone number and spoke to someone who asked for the last four digits of my social security number, which I gave. The man kept pushing, wanting {$550.00} in payment. So I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax Information Services LLC, Request for Deletion of Files and Correction of Credit Report I am writing to request the deletion of certain files and the correction of my credit report pertaining to an account that has been deleted. According to the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and up-to-date information on my credit report. 

Upon reviewing my credit report, I have noticed discrepancies regarding the status of an account. It appears that an account has been erroneously marked as active, despite being deleted. This misinformation has adversely affected my credit score and financial standing. 

I kindly request Equifax Information Services LLC to take the necessary steps to delete ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) files concerning these accounts from your database immediately. Additionally, I urge you to correct my credit report promptly to reflect the accurate status of the deleted accounts. 

Enclosed with this letter are supporting documents, including proof of the account deletion and any relevant correspondence with other credit reporting agencies. I trust that this information will assist you in expediting the resolution of this matter. 

As per the regulations outlined by the CFPB, I expect Equifax Information Services LLC to acknowledge receipt of this request within 30 days and to complete the investigation within 90 days. 

Please confirm in writing once the deletion of files has been completed and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding in resolving this issue. I look forward to receiving confirmation of the requested actions at your earliest convenience.

Company response to consumer: Closed with non-monetary relief