vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried to make an order on XXXX  through Zip for 2 XXXX XXXX XXXX. The order never went through and I never received an email for the order from XXXX  or Zip. Zip also automatically took a second installment payment without authorization. After contacting Zip and XXXX, neither seem interested in providing a solution to refund me my money for items I never received. It was a waste of time trying to deal with their customer service. The amount was for {$58.00}. Zip took 2 payments of {$14.00}. They will likely take the third payment by the time I get a response from this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
a credit card opened for {$600.00} USD with XX/XX/XXXXXXXX credit card was opened, never been paid, became over due with interest fee 's compounding. it eventually went into collection. I tried to dispute this charge and when I call the company they do not have this account on file. I am certain this is fraudulent activity. total fee 's are at {$780.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MD

Complaint narrative:
I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

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 2024-08-28 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: FL

Complaint narrative:
I Recently went to open an account from XXXX XXXX  and they didn't open it because it's reporting an account on my credit report that isn't for me. Please remove XXXX XXXX account XXXX XXXX has a balance of {$640.00} from credit report. Remove this asap, never was I associated with this 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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE
State: IN

Complaint narrative:
XXXX XXXX, 2024***Dear XXXX XXXX XXXX XXXX XXXX & Co-Chairman at Charles Schwab ** **Re : Notice of Misrepresentation of Material Facts and Potential Breach of Fiduciary Duties** I acknowledge your response regarding the status of the accounts in question. However, your communication contains a material misrepresentation of facts, and I must inform you of potential breaches of fiduciary duties that have occurred in this matter. Firstly, your assertion that the accounts " have no value and are closed '' fails to address the issues surrounding the collateral that rightfully belongs to the Estate of the account owner. The nonresponse to these critical issues, particularly concerning the collateral, could potentially constitute a violation of 18 U.S.C. Chapter 77, which addresses crimes related to peonage, slavery, and trafficking in persons. Specifically, the failure to account for or return collateral that is properly the property of the Estate may be seen as an attempt to unjustly retain or convert assets that do not belong to the intermediary, thereby facilitating financial exploitation. As a result of the banks default in this matter, it has exposed itself to substantial damages. The ongoing breach subjects the bank to a claim for damages in the amount of {>= $1,000,000} ( XXXX XXXX dollars ) per day that the breach continues. Please note that this failure does not alter my rights regarding the use of closed account checks to recoup the consideration that has moved from the account owner to the intermediary, Charles Schwab & Co. , Inc . The recoupment of this consideration is not only a matter of equity but also a legal right that remains enforceable despite the current status of the accounts. In light of the serious nature of these issues, I expect a prompt and thorough resolution. Failure to address and rectify these matters will not only exacerbate the banks liability but may also lead to further legal actions to protect the interests of the Estate. Thank you for your immediate attention to this matter. **Sincerely, ** **XXXX  XXXX XXXX XXXX representative XXXX [ Case Number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX Whos the original creditor? XXXX not familiar with this account, and I dont agree with it. Would you agree? Just putting it out there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of 2024, I charged {$25000.00} to my Amazon Chase credit card. All XXXX  credit bureaus refuse to accurately submit that I pay my balance in full on all purchases. 

This is fraud that millions of customers are being wrongly scored. 

I demand, respectfully, a class action suit against all XXXX credit bureaus. 

With my XXXX service and XXXX  years of management of tens of billions of dollars every year, I promise I can prove that credit bureaus are intentionally damaging consumers and their credit ratings, for profit. 

Point : a customer that, for years, charges to their credit, but, pays the balance in full every single month, accumulating rewards, paying XXXX interest. 

I made {$250.00} dollars ( should have been {$500.00} ) in rewards, on my Amazon Chase card. The company, Chase, refused to honor the Amazon Pay charge, XXXX  % bonus, but honored the XXXX % reward. 

Please consider me a key witness, that can explain this before XXXX XXXX, and all honorable members of XXXX, to protect citizens, from rogue credit bureaus, dumpster divers, that now force citizens to pay for righting wrongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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 am in the process of purchasing a home and my XXXX XXXX account has the incorrect account number listed on my credit report. The original account # did end in XXXX but was canceled and a new account number was issued due to fraud and is now ending in 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 2024-08-28 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: FL

Complaint narrative:
I am in the process of purchasing a home and my XXXX XXXX account has the incorrect account number listed on my credit report. The original account # did end in XXXX but was canceled and a new account number was issued due to fraud and is now ending in 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 2024-08-28 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: IL

Complaint narrative:
On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it. I also sent them letters disputing other information and was ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a Bank of America checking account on XX/XX/year>. I received a virtual card so I went to deposit {$770.00} in cash to their outdoor ATM. During the deposit they atm gave an error message saying it wasnt going to return my cash or deposit I needed to contact the number on the receipt. I went inside BofA and they said they couldnt help to call customer service. I called to make the claim they said they would credit the account temporarily and they have not. It has been almost 7 days and Ive called every other day without a resolution even when escalated to managers. They refuse to credit my account with the cash amount I put in their atm. I am upset and frustrated as this was my car payment and its now past due and could be taken away as I am going through a financial hardship right now and that was the only money I had for my bill. No one has cared or helped I just get the run around and I am tired of it.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Earlier this year, I put my credit card account with Synchrony Bank on a Debt Management Plan with a Credit Counseling agency here in Arkansas. The plan was accepted in XXXX, and that month was the last time I received communication from Synchrony. Fast forward to today in late XXXX, I called them when I realized I had no statements from them since setting up that plan. When I made it through to a customer rep, I was informed the account had been closed in XXXX, and since it was now in their words " charged off '' I will not be able to get any statements of any kind. My credit XXXX advised me to try calling again and advise them of the Truth in Lending Act requiring they provide me these monthly statements, and the moment I did the line went completely silent.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being XXXX. There's a balance of XXXX. Ive continued to ask for the proper verification & and documentation from the creditors, which they refused to provide. I was recently released from XXXX & trying to get my life back on track. These accounts has caused so much frustration & hardship on me due to me not being able to do anything.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
a credit card opened for {$600.00} USD with capital one credit card was opened, never been paid, became over due with interest fee 's compounding. it eventually went into collection. I tried to dispute this charge and when I call the company they do not have this account on file. I am certain this is fraudulent activity. total fee 's are at {$780.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Unpromissablly used personal information and caused severe impact to 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 2024-08-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-08-28 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-28 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Springoakcap XXXX XXXX XXXX XXXX, VA XXXX XXXX Reference : Account Number XXXX Dear [ XXXX Person ], I am writing to formally request a debt validation letter concerning the above-referenced account. I request the following information : 1. Validation of the Debt : The amount of the debt.

The name of the creditor to whom the debt is owed.

A copy of the debt agreement or contract signed by me, evidencing my obligation to pay the debt.

A complete account history, including the amount of the debt when you obtained it, the date you obtained it, and the name of the entity that sold it to you.

2. Purchase Agreement : A copy of the purchase agreement between Springoakcap and the original creditor.

3. Verification of My Signature : A copy of the document bearing my wet signature, proving that I agreed to the debt in question.

I request that you cease all collection activities until this debt is validated. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and you are obliged to provide it. Please consider this letter as a formal dispute of the debt and a request for validation. 

I look forward to your prompt response. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit Card companies are not understanding that my XXXX XXXX XXXX XXXX is Ohio, which is a Key Provisional State, so the XXXX applies from when I enlisted in the XXXX XXXX in XXXX of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation