vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, I have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across TransUnion, XXXX, and XXXX. Specifically, XXXX lists the last activity date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and TransUnion as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with XXXX indicating XXXX instances of 90-day late payments compared to only 1 reported by XXXX. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that XXXX, XXXX, and TransUnion take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.

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 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2024 i deposited a third part check into my chase checking account for a friend of mine in XXXX They were her payroll checks that i had to go to the XXXX  and have her sign to be deposited. Chase accepted the checks then minutes later i recieved a notification to call the bank. When i called they told me that the checks were fraudulent checks and that they were closing all XXXX  of my accounts due to these checks being fraud. Which i knew they were not fraudulent checks. I was told that they restricted my account until the checks could be verified as authentic.. on XX/XX/XXXX the checks cleared and money was in my account but chase locked my account so i couldnt get the money or use my account. When i called the woman told me that i should t have deposited the checks and that the only way i can keep my account is to contact the check issuer and ask them to place a stop payment on the checks. This way the funds can be returned and ill ve avle to keep my account. This is absolutely ridiculous. I have waited almost two weeks and they closed my other XXXX accounts and leaving this one opened. Then they tell me to have stop payment on check which really makes it look like fraud. The representatives have all told me different things that make no sense. The last one i spoke to from chase was so rude and condescending i just gave up. So my account has XXXX balance and they refuse to turn my card or account back on from being restricted. How can a bank hold money hostage in my account. If there was a problem with the checks why did they process them. They restricted my account XXXX XXXX after deposit was accepted therefore they knew they had a problem but still deposited them or submitted them for payment and put money in account but restricted my access to bank. I have never experienced such banking practices in my life. The checks were not fraud the bank told me they were not fraud and in the mean time this money is in my account since XX/XX/XXXX and the bank ensured i have no access to it. So why did they cash it? If the check was flagged as fraud why did the bank submit for payment let alone accept the deposit. Now there is basically nothing i can do and the bank is strong arming me vlosing my accounts and not giving me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: PA

Complaint narrative:
I made a purchase online of a product that appeared to be XXXX XXXX XXXX. However, I never received confirmation and realized it was most likely a scam. {$50.00} was coming out of my account from XXXX. There was no other information. I immediately called customer support for my card, Dasher Direct, and was told they can not help me or reverse the fraudulent transaction. They hung up on me several times. Payfare International is the card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. XXXX XXXX sent me the same notice from the same collections agency XXXX XXXX. 

I was told that I would be able to open an account because the first one was closed without my consent. Now I am having an issue opening an account personally and for my business. This is very disappointing I still have issues with wells fargo because they closed my account the first time.

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 2024-04-06 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: DISCOVER BANK
State: GA

Complaint narrative:
I went to a bar called XXXX XXXX XXXX in XXXX GA on XX/XX/23. My XXXX was swapped with another XXXX without me knowing. The person that swapped my phone was able to get into my phone. I am unsure if they saw me type in my password at some point during the night or if they scanned my face without me knowing regardless they were able to get into it. Once in my phone, the thief was able to use the Discover card I had on file with XXXX XXXX to purchase {$800.00} worth of stuff at a XXXX located at XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. That morning, when I noticed this, I called Discover to deactivate that card and file a fraud dispute with them. Since then I sent them a police report I filed, an identity theft report I filed, a receipt showing that I purchased a phone the very next day, and articles showing that this a problem XXXX has been dealing with. Discover continues to deny my claim stating that there is no way someone could get into my phone and use my XXXX XXXX because I had face id on the phone. Below I have attached everything I sent into Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The Credit card company closed my account because they said I was working with a credit repair company and then they blocked the access to my account. I asked for a payment plan and they would only. Give me one that was double my previous payment of {$140.00}.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported Account name : XXXX XXXX  Account Number : XXXX This account has been paid off but you still have it that i owe {$150.00}. balance is now {$00.00}. 
find attachment of account showing paid off below and also contact the lender to get the right information and do your job right

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 2024-04-06 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: Chime Financial Inc
State: TX

Complaint narrative:
A company called XXXX XXXX  keeps trying to charge my card. They already took XXXX from my account that was not authorized. I do not have a XXXX account. This needs to be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email stating a confirmation on Home Depot Consumer credit card supported by Citi under my name and my account. But I never filed such an application for a credit card to neither Citi nor Home Depot. This is a fraud. I need Citi and Home Depot to remove this account immediately and get back to me a confirmation on such a removal. Till then, any expense and charge on the account or the card is not my responsibility, I will not be borne any expense and charge whatsoever Thank you for your help.

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 2024-04-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
The American Express on-line payment website is confusing at best ; or they are intentionally misleading consumers in order to generate late fees from credit card users. When you go to the payment page, you are asked to put in bank account, amount, date, etc. The problem is that you then click a button labeled " Make Payment. '' On every other credit card site, this language means exactly thatmake the payment, but on AMEX, you are taken to yet another screen where the information is repeated and there is yet another button that you have to click to actually make the payment. This is extremely confusing as the second screen appears more like a confirmation of payment, and if you are not careful, it's very easy to overlook clicking the second button. I have pointed this out to AMEX several times, because I have incurred late payments even though they can see I was on the payments page and just failed to click the second button. There is an easy fix to this. Simply label the first button " continue '' so that consumers aren't led to believe they have already authorized the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received notice that the XXXX XXXX XXXX information was fixed and updated. I pull all 3 reports just to find the inaccuracies are still reporting. XXXX has paid current, XXXX has XXXX late payments and CO, and Experian has 120 days late. Please there is nothing these agencies can tell me because XXXX XXXX is the one reporting the information to these agencies and it should not be inaccurate across the board. Please delete immediately as it is hindering my ability to obtain credit. I am in the middle of a housing sale and this is becoming a thorn in my side as i have been disputing this inaccuracy for over 6 months now. IT IS A VIOLATION AND IT DOES NOT CONTAIN MAXIMUM ACCURACY AND IT NEEDS TO BE DELETED. AT THIS POINT XXXX XXXX HAS HAD 180 DAYS TO CORRECT AND ITS STILL INACCURATE PLEASE DELETE!!!!!!!

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 2024-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a debt collection agency letter requesting an alleged debt to be paid for or the debt would forward to the credit reporting bureaus on their behalf. I have stated through certified mail, which is the only communication route I have pertaining this alleged debt, that this debt does not belong to me and requested a debt validation which they have not yet provided a wet signature nor a correct breakdown for this alleged debt that I requested in my debt validation certified letter. I have contacted an Attorneys office and learned the statute of limitations in Texas regarding this account have expired. The last activity on this account is XX/XX/XXXX, which was the time it was posted to my credit. I have never made any payments to this alleged debt nor have I ever said that this alleged debt belonged to me. After the collection agency did not provide any verification to my requests per debt validation, I then sent a certified letter in regards to a cease and desist letter to the collection agency company and Lockhart, Morris and Montgomery has now violated the Fair Credit Reporting Act law. All debt collectors can NOT continue its collection efforts against you until the debt has been verified. Due to the collection being in the Texas Statute of Limitations expiration date and the violation of a cease and desist letter, I am now requesting an immediate deletion of this account on all credit bureaus and to cease all collection activity pertaining this debt. I kindly request that this debt to not be sold as well since it does not pertain to my credit file or I. I look forward to getting this resolved as soon as possible. 

Thank you for your time, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: NC

Complaint narrative:
15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

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 2024-04-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

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 2024-04-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I sent XXXX pages of proof to Barclays and called multiple times. About an issue I had XXXX XXXX XXXX I had more than adequate proof that they should see that I deserved the dispute money back. I literally had proof of every wrong doing XXXX the company and them admitting it. I sent that originally in XXXX. Then didnt hear anything until XXXX in which I was told to send everything AGAIN and then still had to call for feedback. All the proof I sent shows that I should get my full Dispute of XXXX $ back. And then on top of everything else and I filed here and spoke to someone - No One called me back or been told me that this case was closed. Im very frustrated and upset.

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 2024-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT MY ACCOUNT AND SHOULD NOT BE REPORTING ON MY CREDIT I WANT THIS REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TX

Complaint narrative:
I am attaching evidence that this company mistakenly reported a late payment to my transunion account. This account was opened without my consent. I am requesting the immediate removal of the account from 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