vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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:
On XXXX I sent a letter asking the credit bureau to delete this debt due to a hippa violation and send me proof that I owe this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My original dispute was not handled as promised by the Company " NationStar/Mr Cooper dba Rushmore Servicing ''. Original Complaint # XXXX was filed for XXXX reasons : XXXX. Account should have been marked as " Paid in Full '' XXXX. There should not be any delinquent payments because the Loan was Closed on XXXX XXXX. 
According to XXXX, they keep getting different misleading information from Rushmore. They have received information that Rushmore has Closed the Account, but the late day payment for XXXX still remains?! Several XXXX XXXX advised me that Rushmore did not remove the XXXX XX/XX/2024 payment, despite their letter stating that they will or have already done that. XXXX said that only Rushmore can fix this! My score is back down to XXXX because of this. I have a very important large purchase to make and I can't until my score is back to XXXX which reflects my financial responsibility. Please fix it ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I do not have a signed contract with this company. If so, i am asking for the company to provide me a copy of the signed contract with them as prove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank Of America has literally stolen {$110.00} from us and refuses to put it back in our account. XXXXXXXX XXXX cashed a check that was taken from our mailbox XX/XX/2021. They notified us of the error and informed us they were sending the money back to Bank of America. BofA confirmed they received the money but they refuse to put it back in our account. We have completed the paperwork and sent it to them twice but they still refuse to rectify their error. We have contacted them multiple times and continue to get the run around.

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 2024-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I sent this debt validation letter ( attached ) in XX/XX/2024 and XX/XX/2024 and received no response either time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account. This account is affecting my ability to obtain fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NJ

Complaint narrative:
On XXXX I sent a letter asking the credit bureau to delete this debt due to a hippa violation and send me proof that I owe this alleged debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 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 2024-03-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/ XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
about a month ago I lost my phone and Wallet on. A trip to VA. Someone found both and began using my phone, apps, and bank accounts as if they were me. I returned home and reported it to chime. Altogether the money stolen from me was just under {$2000.00}. I disputed the charges ; I was told it had to be done in XXXX parts since some charges were still pending. They denied my claim twice- I provided a police report which verified that fraudulent activity had taken place ; they reopened the disputes then credited me for the first part for {$640.00} and then I was told that Id be receiving the next part which was {$1100.00} on XX/XX/XXXX. Last night I received an email stating that my dispute was denied which doesnt make any sense because although it was done in XXXX parts, it is still XXXX dispute so to approve XXXX of it and not the other half makes no sense its all the same situation. It was all done by the same person, not to mention the police verify this in the police and even arrested and apprehended someone, how can they say the police are lying if someone was arrested for committing his crime and fraudulent using my account who is chime to say that are lying? They are extremely unprofessional and hardly speak XXXX. I keep getting misinformation from everyone I speak to which seems to be someone from a different country every day. Nobody knows anything. Nobody understands what youre saying nobody needs to help you and when you speak to Supervisor, it doesnt make any difference either for the past few hours Ive been trying to reach a supervisor on the dispute side and every time I request a supervisor I get put on hold and they hang up on me. This literally has happened XXXX times in the past XXXX hours, so I know its purposely done. They are so unprofessional its disgusting at this point theyre robbing me of my funds that I need my money back. Regardless of the outcome of this claim they need to have their rating dropped for the way theyve treated me its horrendous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
AMEX solicited Business Platinum Credit via several mailings along with terms & condition inserts, which I reviewed scrupulously, before providing my electronic signature collateral to verify specific criteria used for credit extension, per the FCRA.

Shortly after several hard inquiries by AMEX were recorded on my credit record, I received a letter from AMEX, dated XX/XX/year>, requesting my personal tax transcripts, with attached disclosures citing the Federal Equal Credit Opportunity Act, Consumer Credit Protection Act & the Bureau of Consumer Financial Protection. Within these Acts, application prerequisites shall be disclosed BEFORE selection of the consumer for the offer of credit. Section 10 ( b ) ( codified in 15 USC 78j ) is the primary anti-fraud statutory provision. The SEC primarily enforced this anti-fraud provision under Rule 10b-5, which prohibits the use of any " device, scheme, or artifice to defraud. '' Rule 10b-5 also imposes liability for any misstatement or omission of a material fact, or one investors would think was important to their decision. AMEX did not include any information in account opening disclosures pertaining to personal tax transcripts.

I provided Valuable Consideration in exchange for credit that was deceptively captured via my social security number, several times, significantly impairing my XXXX credit score.

The Securities Exchange Act was designed to force corporations to disclose information investors would find pertinent to making investment decisions. Requesting further personal information, outside of a social security number, such as personal tax transcripts AFTER demolishing my credit, is unquestionably unacceptable.

If you can not see the code you developed to make my account, in the photos attached, here it is for your convenience : XXXX. 

Furthermore, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely.

I've also attached my revocation of POA. Please provide me with AMEX process for retitling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I had taken out the loan for getting my debt cleaned up and also for things to maintain around my home. this loan opened XXXX and didn't realize additional fees were contingent to completing the loan. then over time i was behind on my loan and tried to work with One Main on this. I did not get assistance from them, but loan was given to an Atty and before going to court to be sued, i had to work out a payment plan to them. 

I know One Main is currently in a class action suit or becoming to be in one. due to this, and one main less then legitimist practices, i want to have one main pay off my loan obligation to the Atty and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
They are texting and calling me non stop ever since XX/XX/XXXX. 

Threatening to sue sending letters to my parents house XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and EQUIFAX Credit Bureau Refuse to updated my payment history. They are reporting XXXX yrs or less when I have over almost XXXX yrs of payment history ( attached ) knowing that this hurts me. I am demanding at this point that all credit bureaus report accurate information especially when they are aware that this hurts me! After all the mistakes and inaccuracies on my report my XXXX or this XXXX XXXX ( set up to hurt citizens ) should go up tremendously! At this point Im seeking compensation for the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
I don't have an account with Jefferson Capital system they just added my account from 6 years ago XXXX of 2018. XXXX was bought out by XXXX and I don't know how this Jefferson Capital is obtaining my information but I do know it's against the law. My power identification number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am making a formal complaint about an unauthorized transaction to my checking account, I have no idea who this person or company is, it was for {$600.00}, I filed a claim on XX/XX/2024 with back of America ( claim # XXXX ) I tried to dispute this with my them and they are denying me the refund, and are making allegations that I authorized that transaction when I never did, I would appreciate your help, thank you.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I AM WRITING IN REGARDS TO THESE FRAUDULENT INQUIRES BEING REPORTED ON MY CONSUMER REPORT XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS A VIOLATION UNDER 15 USC 1681c-2 ( a ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT

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 2024-04-01 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U. S. Code $ 1681-c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: IL

Complaint narrative:
To whom it may concern : I went through the XXXX XXXX XXXX drive thru at the location on XXXX and XXXX XXXX in XXXX, IL. I went on XX/XX/XXXX around XXXX to pick up a prescription I have been taking for a few years now. My copay has never been more than {$35.00}, however I was charged {$1200.00}. I was not asked about insurance or even if I was okay with this amount. I was simply asked for my credit card and ID, very routine. It was only when I checked my bank statement later that evening that I noticed the large sum of money missing. 

Of course once I noticed this, I called the pharmacy immediately and asked why I was charged so much. My insurance information is on file and this medication is never more than {$35.00}. I was only told that they would look into it and would give me a call back. 

Two days went by and I heard nothing from them. I decided to go in person to talk to someone because now this is very serious and I feel no one is taking it seriously. When I got to the counter I told them what had happened and asked for an update. I needed a refund because now I have no money for food or necessities. They responded again that they would look into it and call me back when they had an update. 

After hearing nothing for another few days, I decided to call Chase Bank and dispute the charge since I did not authorize this amount of money to be taken out. They told me to get a physical receipt and prove the transaction was more than expected, which I did. I had previous receipts of {$32.00}, and a charge for {$32.00} in my bank account right before the {$1200.00} charge. So they had charged me the correct amount but then charged me again?? Chase was confused on this as well and granted me credits in the amount of {$1200.00} to resolve the situation since no one at the pharmacy would help. 

Now, I received a letter from my bank ( Chase ) saying the I authorized this charge of {$1200.00}. I absolutely did not. No one told me the amount I would being charged, I did not okay this. In the letter they sent me, they stated they will be removing {$1200.00} tomorrow. This needs to be fixed. I now have no money for food or basic necessities because of them. This is a very serious issue that needs to be taken care of. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found many fraudulent charges that are affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a transaction on XXXX for a service using my credit card. After payment, the merchant refused and broke the terms of the agreement. I asked for a refund and the merchant refused. 

I contacted XXXX and my creditcard company to file a dispute immediately. XXXX upon hearing that i made a dispute with my credit card company stopped resolution and stated that they would only expediate the case if i canceled my dispute with my credit card company. A blatant form of blackmail from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently checked my credit report and noticed some unauthorized inquiries reporting.

Company response to consumer: Closed with explanation