vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Per attached letter XXXX to Chase Card Services, dated XX/XX/2024, receipted XX/XX/2024, Subject : Failure to Receive Credit Balance Refund Check, amount {$1300.00} " According to your customer representative the above reference refund was to have been forward to me at the address listed above on XX/XX/2024, or the next business day. As of XX/XX/2024 or a total of XXXX postal service mailing days the refund has not been received. '' Requested : The subject check be cancelled immediately upon receipt of the letter. 

The credit balance refund of {$1300.00} be transmitted by direct deposit into my checking account, XXXX XXXX XXXX XXXX, routing number : XXXX, accounting number : XXXX. 

Acknowledge receipt of the letter and your action by text and/or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-08 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: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX Customer came into my business and paid for services and products totaling {$2400.00}. The bank approved transaction and the products were given to customer, We made sure that it was her card and she signed the credit card service agreement. XX/XX/XXXX we get an email saying that our account with XXXX is now closed. Pending investigation and would withhold our funds for a minimum of 120 days. No other information given to me. I am immediately called Chase since Chase Bank is the parent company of we pay and I bank with Chase assume they would be able to help me out more. Chase said they had no control over this company and the only way to communicate with XXXXy is through email. so Chase was no help. I received an email from XXXX XXXX  XXXX days later stating that they would look into my request for information and get back to me within XXXX hours. Within XXXX hours I did receive an information email stating I need to submit information, including receipts and detailed purchase information. Sent over all information requested via email. They have not told me anything no more got another email saying that they will hold my money for 120 days. as a small business owner, the money is significant and is required to reinvest for a new products to continue my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I, XXXX XXXX, disputed errors on my credit reports from XXXX, Experian, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Owen Loan service and PHH mortgage is the same company and currently reports on my credit bureau multiple times. The multiple reports by both of these companies is negatively impacting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I have reached out to Equifax numerous times regarding the inquiry items on my credit and they refuse to verify or provide information linking me to the inquiry. According to the FCRA, the credit reporting bureau must be removed if not verified or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Car was taken XX/XX/3023 and now that the car has been taken and sold they are saying that I owe them almost 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX IS REPORTING XXXX HARD INQUIRIES ON MY CREDIT FOR EQUIFAX. SPOKE WITH REP AND SHE TOLD ME THATS THE INFORMATION THATS BEING REPORTED WAS TAKEN FROM EQUIFAX. SPOKE WITH EQUIFAX THEY SIAD THAT I ONLY AT XXXX HARD INQUIRES AT THAT TIME, THAT THEY DIDN'T KNOW WHY XXXX WAS REPORTING INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I have submitted several bill payments using Charles Schwab bill payment service on XX/XX/XXXX. 

These payments have not even been processed until XX/XX/XXXX according to the information available online, and some of the payees still have not received the payments as of today, XX/XX/XXXX almost TWO WEEKS since the requests were submitted. 

As a result I have been charged interest and late fees on the payments that missed the due date because of this delay. 

I have noticed that Schwab chose to use paper checks for these payments rather than electronic transfers, which was probably the main cause of the problem. The same payees have been paid via electronic payments in the past. 

When I called support, I was informed that bill payment service is provided by a third party, and Schwab has neither control nor responsibility over it. I find this unacceptable, because I am a client of Schwab, and bill payment service was promised to me by Schwab, not by a mysterious third party ( for which Schwab support wasn't able to even provide a contact number for me ). 

My request for a refund of the expenses I incurred due to this delay was rejected ( the support person literally laughed when I mentioned it ), and I was advised ( probably, sarcastically ) to contact USPS, since they are the ones responsible for the delay, according to Schwab.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: MN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: WA

Complaint narrative:
XXXX XXXX over night was put in my credit report when I called he told me I was part of a data breach and if I didn't pay XXXX down and XXXX a month till resolved it will stay on my credit report and they can charge me if the debts mine or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-08 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-08 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: SC

Complaint narrative:
I have previously stated that I have discovered that my personal information has been exposed to 15 different data breaches, including my email, addresses, credit card numbers, and ssn. There are some accounts that I do not recognize on my credit report or they continuously report inaccurately no matter how many times I have disputed these issues in the past. As a consumer, I have a RIGHT TO PRIVACY. 
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is a violation of my rights.

This is disheartening to know that this company has complete control over my life and how I can provide for my family, and continue to do whatever they wish with no regard to the rules and regulations set in place that they are required to abide by. I serve the LORD GOD and my country faithfully and I am being stripped of my rights in the very country that I have fought for in XXXX. This inconvenience has placed a hardship on me and my family, as I am XXXX XXXX Military and could possibly lose my security clearance while trying to serve my country. 

One of these accounts in particular, I have contacted personally and they did not have any contract with me on file, yet when I dispute items they are some how verified. This is FRAUD. If the requested items are not deleted promptly, I will be filing arbitration with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I would like to submit a complaint for Capital One Bank for their deceptive advertisement of interest rates for their savings account and request that I am returned back interest payments at the rates they disclosed. 

I was a customer of their Savings account product since 2017. When interest rates rose significantly they changed their product by slightly changing the name of the account type from " XXXX savings '' to " XXXX performance savings '' offering no other incentives than the rate change and did not inform their current customers to avoid having to pay a higher interest rate to their existing customers. They were deceptive because they only advertise having one savings account plan with the higher interest rate and removed the other plan from their website, advertising and all disclosures. The new name appears to be a shortened abbreviation of the first name on the account, intentionally crafted to deceive their current customers. 

When I raised the issue to them, they created a case and admitted to the account change and not informing me, but stated they were unable to return back interest owned to their clients. They said it was the customers responsibility to identify it on their own and move to the new account. 

I believe myself and their other customers that were impacted by their unfair and deceptive practices are owed back interest payments based on their advertised rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-08 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-03-08 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief