vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent off letters to Equifax, XXXX and XXXX requesting that incorrect personal info be removed from my credit report such as nonmailable addresses, incorrect aliases and Un reachable phone numbers off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received an email from Wells Fargo stating that I missed a payment. That's not possible because I have autopay setup. 

My rebuttal to the company 's response to complaint, XXXX, is there is autopay was setup and they should have taken money out of my account on the due date to make the payment. 

The intention of using autopay is to set it up once and never have to worry about making a payment.

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 2024-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/year>, at XXXX, I purchased a vanilla visa gift card from XXXX with the amount of XXXX XXXX using cash. After following the instructions listed on the package I attempted to use my new XXXX XXXX card to pay my auto insurance. It declined. I called the number on the card and it confirmed my balance but it told me no information. I then returned to XXXX and spoke to the manager, which resulted in me getting the phone number for XXXX ' gift card center, who then transferred me to an actual representative of Vanilla Visa. They told me my card was somehow compromised. They told me I would receive a replacement card, after they took my name, email, and address. I called again today on the XXXX XXXX XXXXXXXX and they told me that I had a replacement coming, but gave no info about tracking and said they will not send me a receipt. I have read similar cases and most people seem to lose their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have having trouble making payments for my XXXX  XXXX credit card. I setup two one time payments to pay the balance on my XXXX XXXX card and the one time payment failed twice. There was no reason provided. I was incurred late fees and interest fees. I do not believe it is fair for me to be penalized for a system issue on Bank of America 's end.

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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple disputes and this has been investigated. I most certainly did NOT open this XXXX account. This must have been opened by somebody else under my name. This is literally the only thing reporting negatively on my credit report. Please assist in deleting this erroneous account 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 2024-11-01 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 have sent multiple disputes and this has been investigated. I most certainly did NOT open this XXXX account. This must have been opened by somebody else under my name. This is literally the only thing reporting negatively on my credit report. Please assist in deleting this erroneous account 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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XXXX my payroll direct deposit was not placed into my checking account by the bank.

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 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
My husband and I have a verified Gemini accounts. I was trying to withdraw our XXXX  to a hardware wallet. Gemini then placed a security freeze on the account ( Security hold, Ticket ID : XXXX ). Gemini then requested that I send in the following information which I did : 1. A view of your full face 2. Your ID that was used to register with Gemini. 
XXXX. A handwritten note that states the current date and says [ XXXX ] underneath Apparently that was not enough. Then I had to send in this information : How did you find out about Gemini? My husband. 
Has anyone instructed you to open this Gemini account or requested payment through Gemini? No Have you shared your account credentials with anyone? No Why did you open a Gemini account? To help my husband mange finances and invest. 
How did you discover the wallet address? I created it on a hardware wallet. 
Please confirm the actual wallet address to which you'll be withdrawing : XXXX ( XXXX XXXX ) Please confirm the platform, program, site, app, group, or entity that hosts the wallet / issues the wallet address : Its a hardware wallet. I own the hardware. 

Documentation of wallet ownership ( e.g. a screenshot of the wallet dashboard linking the wallet address to your name and/or email address, uploaded via the Gemini XXXX ). This is impossible. The hardware wallet XXXX does not have this. I generated the wallet from the hardware wallet. There is nothing that shows my email or name on the hardware wallet. I will upload a picture of the hardware wallet with the address showing on the hardware wallet. 
( I sent in a picture of my hardware wallet and the transferring wallet address I generated to trasnfer to ). 

Still I have no response. Apparently this is now a big issue now with Gemini holding users XXXX XXXX that I didnt know about until I had the problem XXXX XXXX XXXX XXXX XXXX NOT YOUR KEYS, NOT YOUR XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries.

TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I never actually had a loan with this company because the vendor from whom I attempted to purchase an expensive piece of exercise equipment was unable to fulfill the order, but I have received emails from them ever since that transaction was canceled. 

With that being the case, I received notification of a new privacy policy with instructions on how to email to opt-out and/or have my information removed. I emailed a request to the specified address and received a notification back ( from " XXXX '' ) that I needed to log in to my account to see the reply. I do not have login information, and creating a login requires me to agree to their terms & conditions and privacy policy, which is precisely what I wish not to do. 

As requested via email, I want to opt-out of all marketing communications, sale of my personal information, and be removed from their computer systems to the maximum extent possible. I do not wish to create a login to their systems or agree to their terms & conditions to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
XXXX XXXX federal is reporting 3 missed payments on 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
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
XXXX XXXX XXXX  is reporting 3 missed payments on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
XXXX XXXX federal is reporting 3 missed payments on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid XXXX to open a secured credit card. It wasn't enough, so I added another XXXX. They closed the account when I lost my job. Refused to refund my full deposit and refused to let me use my card AFTER I paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: RI

Complaint narrative:
Chime bank didnt help me fight back to get my money that was unauthorized they just told me to lock my account! I filed a dispute next day and they declined 24 hours after that! With no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase and Chase Freedom Card Services closed out complaint with not addressing any of the concerns or multiple bank and electronic errors that happened on JP Morgan Chase side not mine.

I went into depth about multiple payments ( from my other checking XXXX XXXX ) were returned for no apparent reason. There were available funds and Bank institute info was correct. For whatever reason Chase automatic payment system had issues processing payment, and I have submitted proof in this new claim. 
After not knowing multiple payments were reversed for over a month, from my external bank account, I then went back to connecting my internal Chase XXXX XXXX Checking Account I have had for almost 15 years. 
I then made a payment promptly for {$280.00} because I was on a payment arrangement plan that was setup with XXXX card. After XXXX setup an automatic payment to be debited on the XXXX of every month ( cycle date ). After setting up an auto payment for minimum payment of {$280.00} to be directly debited from Chase checking account, on the XXXX of XXXX {$7600.00} was taken out instead. The full amount of card was taken out without authorization from someone who was on a payment arrangement status of {$280.00} dollars a month to bring card current, but was debited almost XXXX. 
Not only did that overdraft my checking account but it showed freedom card was paid off but no available credit. I also could not use Chase checking account for several days each attempt because this transaction overdrafted my account everytime. I could do nothing. I tried calling claims and talked to a XXXX manger at local Chase bank, and I could not reverse ACH payment or temporary credit until done pending. I also knew from being with Chase for almost 15 years, after charge fell off, system would attempt again.

I waited when it did first time and when charge fell off I even tried to make another minimum payment promptly, because even a minimum payment would buy me another 30 days to get account current.

With the other payments failing mutiple times and myself not knowing those failed for no apparent reason, my account was already past 70 days. I know from past my XXXX account can go up to 90 days past before closure. I submitted a payment for {$280.00} and yet the system still tried to pull out over XXXX, even after I tried to make minimum payment. 
After third and final attempt and over drafting checking account once again, and min payment still not processed for whatever reason, my XXXX XXXX after 6 years and me always paying, closed because of chase system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bridgecrest Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with Bridgecrest account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative she revealed a lot of incorrect information regarding to my personal information, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. They advised that I could not request any documents unless I write a cease and desist removal letter. I appreciate your cooperation and attentiveness in addressing my concerns.

Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my alleged account. This is being placed so I can retrieve these documents so I can take the proper actions on gettinng this resolved. I also need the name of the seller for this auto loan.

Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have unauthorized transactions over {$3000.00} under my debit card from XXXX XXXX XXXX I contact the merchant via email about the hacked on my account and provided a bank statement of those unauthorized transactions. I first filed a claim on XX/XX/year> with Chase bank for a dispute about the fraudulent but they did not investigate and denied my claim 2 days later on XXXX XXXX. Not even a temporary credit was given and my account is severely negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
Equifax Information Services LLC. is reporting within my credit file inaccurate/incorrect information. Although the company only has three ( 3 ) accounts listed on my entire file, they also report seven ( 7 ) negative accounts within my file. After completing a thorough investigation of all categories of accounts such as " revolving '', " mortgage '', " installments '', and " other accounts '' there are only three accounts listed, which contradicts their claim that states I have seven negative accounts within my credit report, as being reported not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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