vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
DISPUTING THIS ALLEGED DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM FORMALLY REQUESTING VALIDATION OF THIS DEBT, AS PER MY RIGHTS GRANTED BY THE FDCPA. UNDER SECTION 809 ( b ). 
I HAVE SENT A CERTIFIED HANDWRITTEN REQUEST TO CHEXSYSTEM FOR THIS DEBT TO BE ACCURATELY VALIDATED WITH DETAILS SHOWING PROOF THAT I OWN THIS DEBT. DOCUMENTS ARE ATTACHED. 

I AM ALSO DISPUTING UNAUTHORIZED REPORTED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ALSO DISPUTING NAMES AND ADDRESS REPORTED IN MY PERSONAL SECTION OF MY REPORT I REQUEST FOR ONE NAME TO BE REPORTING, AS LISTED : XXXX XXXX I AM REQUESTING FOR ONE ADDRESS TO BE REPORTING, AS LISTED : 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 2023-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
My student cash back credit card account was closed today ( XX/XX/2023 ). I called and asked them to explain why because all of my payments have been on time and they me told it is because i could not verify my address. They told me they had called me XXXX XXXX, and XXXX of XXXX and that i did not answer. They said because I did not answer those calls back in XXXX they closed my account today. They said they left me voice mails but I checked my missed calls today and I did not receive any calls from them in XXXX nor did I receive any voicemails ( said they left voicemails ). They did not give me any warning before closing my account and they did not try to reach out to me through email or send me anything in the mail. I asked if they could re open the account since i have no proof they reached out to me and they said they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 2023-09-06 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: Block, Inc.
State: IN

Complaint narrative:
my account was closed for volating its policies. I asked what policies did i break that informed me they have no other information. The money that is in my crypto wallet was money that i had been using from my direct deposit from my employer to use as a savingings i have XXXX dollars in it and i can not get it out. They just keep gibing me the run around and saying the exact same thing or giving me the address to the directions on how to sell it but i do not have the option it says I cant do anything and when i tell them this they say well we have no other information on this. i have talked to support and to everyone no answer this is a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Received a billing statement from home depot for {$11000.00}. Charges were all within days of each other from around the state of ct. We have our cards in our possession and have only given home depot workers our numbers when ordering. In XXXX i called to alert them, they removed the charges and issue us new cards. Because we had charges that we have made we paid our bill. only to be sent a letter in XXXX to say we are responsible for the amount because we were paying on the bill. We were told to continue our portion of payment until the fraud has been resolved. They then reopened the case as i involved the police. However i have not heard any thing to get these charges removed.

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 monetary relief
Consumer complaint received 2023-09-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023 I booked a trip with XXXX XXXX XXXX and the agency I booked with CHANGED MY FIRST NAME on the reservation. I notified the agency within 24 hours of their mistake. I tried for 2 weeks to work the issue out with the agency even sending them a photo pf my passport o no avail. I even called the airline and spoke with a supervisor that said my name could easily be corrected without a fee but it had to be done by the travel agency since they are the ones that booked my flight with the airline XXXX ). 

I went to my credit card issuer-Chase to dispute the charge as a last resort. Chase advised and assisted me with the process- including the reason for dispute as " Not received services '' then later found the charge " valid '' as the trip was made available to me. Please note that once I initiated the dispute the travel agency cancelled my trip! According to XXXX 's refunds can not be made if the trip was cancelled. I did NOT cancel the trip. I was begging the company to correct my name on the reservation. 

Chase decided against me in the dispute due to the reason of the dispute. Chase assisted me with selecting the reason! I have redisputed the charge twice now and call chase dispute team every couple of weeks begging for help. Chase will no longer assist me and advised me to go directly to the XXXX XXXX. I have tried contacting XXXX directly but they refer me back to my card issuer-Chase. 

At this point I am dizzy from being bounced around and can not fathom how it is reasonable for me to pay XXXX USD for a trip I absolutey can not travel with a fabricated name that does not match my legal name as shown on my passport

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
Edfinancial has been transferring loans to a new payment system for over 6 months. As a result of the transfer, I have been denied access to my account since the middle of XX/XX/2023. I have tried to make payments to reduce the principal balance of my loans before interest began to accrue again on XXXX XXXX, but have been denied access. I have called and emailed Edfinancial and was told I did not have access as a result of delays they encountered in transferring all of the loans and they told me there would be no waiver of interest accrued on or after XXXX XXXX even though I was not able to make principal payments. Interest is now accruing and my first payment will be do soon and I still have no access to my account. Edfinancial has told me they do not plan to do anything to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
Unfortunate, I'd submitted my mortgage payment for XXXX late due to an unforeseen circumstance ( gas leak repairs made on XX/XX/XXXX ) on XX/XX/XXXX to Kentucky Housing Corporation via XXXX XXXX shipping for account # XXXX and XXXX. According the the tracking # XXXX, my payment was delivered on XX/XX/XXXX and was picked up by an individual at XXXX. XXXX XXXX of XXXX on XX/XX/XXXX @ XXXX regarding payment processing and provided tracking number in addition to providing explanation of my late payment. XXXX stated that XXXX had not received the payment. According to the XXXX tracking tool, payment was delivered and picked up by XXXX on XX/XX/XXXX @ XXXX. On XX/XX/XXXX @ XXXX s/w XXXX regarding the missing mortgage payment. XXXX stated she did not see the payment. I explained to XXXX the payment was delivered on XX/XX/XXXX @ XXXX before the XXXX XX/XX/XXXX deadline. XXXX ended the call with stating she would post the payment and to check the portal within a few hours. On XX/XX/XXXX evening, I checked the portal for the missing payment in which the payment reflect of being received on XX/XX/XXXX opposed to reflecting the date of XX/XX/XXXX. On XX/XX/XXXX, I'd received a letter from XXXX stating my mortgage was in default due receiving payment after XX/XX/XXXX. When I contacted XXXX in regards, I was told there was nothing they could do. I feel it was unfair to have being sent a letter stating my mortgage is in default when the payments were sent and received before the final deadline which is stated within an email sent via XXXX on XX/XX/XXXX stating : Your mortgage payment for this month has not been received by Kentucky Housing Corporation ( XXXX ). To avoid defaulting on your mortgage, make your payment immediately. All payments must be received immediately to avoid defaulting on your Mortgage loan. The latest payment will be accepted is XX/XX/XXXX BEFORE XXXX P.M. On XX/XX/XXXX @ XXXX, I received another email stating the same statement. Copies of emails and letter can be provided. In addition to the miscommunication and handling of payments, I've been struggling since XX/XX/XXXX with paying the revised mortgage amount. Without receiving proper notice in the mail stating my mortgage payment would change from {$900.00} to {$1000.00} made it difficult for me to adjust and make my payments on time. I've called XXXX in regards in which they did not provide suitable means for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
incorrect information on all three credit Bureaus. they all have different reporting on my credit reports like collections. please remove all accounts that are not showing the same on all credit Bureaus. according to law 15 U.S CODE 1681 A 1 A. also 15 U.S code 1679 c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I gave my Credit Card information to the XXXX XXXX company at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, ( XXXX ) XXXX to pay for a moving XXXX XXXXl. At that time all that was owed on my BANK OF AMERICA Credit card was $ XXXXI returned the XXXX XXXX  at around XXXX : XXXX  the next morning with a charge of {$4.00} being charged by XXXX XXXX. when I looked at my BANK OF AMERICA credit card balance, it said the I had deposited {$200.00} which was deducted from my card but added to the balance owed! I filed a fraud claim but the bank is still saying that I took the money off the card!! I did not take any money off of the card because the XXXX XXXX company would charge the card. when I tried to see if XXXX XXXX did this ..I saw vanishing amounts come up and then disappear... Please investigate these two companies and the credit card company as someone within them has done this, as it has happened before and I have had numerous cards closed and have been receiving notice that I have accounts that I did not open. I am willing to take a Polygraph test for Forensic evidence as proof that I am not lying. I am XXXX XXXX XXXX and feel that I have been targeted for at least 5 years by someone working within Bank of America or the Credit Card Company as well as possibly XXXX XXXX  as well, because of this ..I can not pay my bills and I am XXXX and live on a set income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CT

Complaint narrative:
XXXXXXXX XXXX To whom it may concern XXXX I recently sent XXXX to my Fiance on XX/XX/23 she still hasn't received the money as of yet because they claimed she had to verify herself which she did numerous times but Skrill still would not release the funds so we decided to have them return my money back to me Skrill told her they would refund the money back to my account but never did. We have been waiting for my refund for too long so naturally I'm very upset about this kind of service. I have called many times trying to rectify the problem in a civil way so I wouldn't get stressed out from all of this. and was totally disrespected by one of your employees who hung up the phone on me twice and wouldn't let me explain myself so at this point I've had enough and demand a full refund back into my account. because of the disrespect my Fiance after she provided all the information and you never release the funds to her after weeks of this abuse we had it and will be reporting you and this scandalous company as a fraud return all of my money immediately as I am very unhappy with this type of business and have already contacted the XXXX XXXX XXXX about the rude service being hung up on twice by one of your disrespectful employees. If I don't receive my money back soon the next letter you will get from me will be from my attorney. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX ( XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXXXXXX XXXX  from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: GA

Complaint narrative:
I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for XXXX to honor the 15 USC 1681b no consent matter as they have not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: GA

Complaint narrative:
I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for XXXX to honor the 15 USC 1681b no consent matter as they have not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: AR

Complaint narrative:
discover bank, balance is XXXX. this debt was settled XXXX XXXX collections. this account is fradulent. 
XXXX XXXX inquiry was not authorized by me. 
XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX debt has been paid in full and settled. XX/XX/2023 XXXX inquiry was not authorized by me. 
XXXX XXXX credit inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: IN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation