vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
XXXX. Cash app took XXXX payment from my checking account = XXXX but only added XXXX of that to my Cash account. I disputed it and then they denied the claim I had to get XXXX involved I did get my XXXX bucks back but that wasn't the whole problem the whole day so they sent a payment to payments {$30.00} each to the same person I sent this person {$120.00} and XXXX cash sent him XXXX. Now I asked my friend if he received XXXX {$30.00} payments he told me no he said he received the {$120.00} and a {$30.00} payment but it shows that it took XXXX out of the account one from XXXX and then one from cash now the XXXX transaction payments have the same time signature on it at XXXX. I disputed it they denied it they don't look at the information they don't want to hear nothing they just wanted to deny everything I'm not trying to beat them out of {$30.00} they are giving away my money and trying to take more than what belongs to them I had to get my bank involved for them to listen to give me my money back. A guy from cashapp calls me in a very accusatory manner so I hung up on him he was just being ridiculous like he was trying tinterrogate me I refuse to be badgered by cash app. And when they send you a denial all they say is what we did the investigation end from your records we noticed that you send him money a lot I do not denying but that doesn't give him a free Passage for their mess ups and I shouldn't have to eat it. 
Cash app systems always crashing they know their system is horrible and they'll even stay it was down whatever we're having a problem with payments and then make you fight for your money that they refuse to give back, knowing that it was their mess up that is a XXXX of a system and want to play games by locking your card. 

I don't want my bank card on the web, I really am not trying to beat them out of {$30.00} that's absolutely ridiculous they're the ones running a scam and yes I have made and filed disputes with them because they mess up. Then they tie your money up for 10 to 20 days which is ridiculous so if you look at both of those {$30.00} transactions XXXX XXXX they were both made at XXXX one from XXXXXXXX XXXX the other one from Cash Card so they took the {$30.00} that was already in my account and paid him and then didn't add the XXXX from my bank but we got that cleared to the bank but I'm still missing the {$30.00} that they sent to XXXX XXXX that was an authorized {$120.00} was and a XXXX payment not 2 {$30.00} payments. But they don't make mistakes they don't deny claims just like they didn't deny the one with my bank too when it was clear black and white where it says it took out but it didn't add two

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NV

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided. 

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NV

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided.

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.

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 2024-05-24 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: VA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Kindly do the same thing as what the other credit bureaus have done. Update the account : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I have spoken to 5 people in the Dispute Dept. XXXX XXXX XXXX XXXX XXXX XXXX. None of them refunded the {$450.00} due to the merchant, as I authorized. A Dispute Dept. manager XXXX XXXX ) who I spoke to on XX/XX/XXXX gave me inaccurate info stating that the merchant would have the refund on XX/XX/XXXX. I have a piece of furniture that was delivered damaged which is being promised to me to be replaced by the merchant, but they want their {$450.00} paid to them first. Visa 's Dispute Dept. was told by me and my husband on XX/XX/XXXX to release the disputed amount and even when I spoke to 4 other people in the Dispute Dept. on XXXX XXXX XXXX XXXX XXXX XXXX nobody did what I instructed/authorized and then when I finally asked for a supervisor on XX/XX/XXXX, the employee I talked to said a supervisor wouldn't tell me anything different. I had to tell that employee twice to get me a supervisor. The supervisor gave me incorrect info according to the supervisor I spoke to on XX/XX/XXXX who also told me there was nobody else to escalate this issue to and now the merchant has to wait until possibly XX/XX/XXXX to get their money which means I have been waiting over 59 days for the issue to be resolved through the Dispute Department which they have failed at on now 6 different calls. I want someone to get to a high level executive at Chase Bank Visa where this credit card is from and make them aware of the lousy way this has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. 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 2024-05-24 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visiXXXX XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXXXX/XX/year>

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been in contact with Transunion for several months, seeking the removal of inaccurate information listed on my consumer report. Despite my consistent efforts to resolve this issue, XXXX has repeatedly failed to conduct a proper investigation as required by law. Instead, I have been met with stall emails falsely stating that I am not the one submitting these letters, despite providing proof of my personal information. 

Since XXXX, I have received several stall responses from Transunion, all of which have hindered the resolution process without addressing the inaccuracies in my report. Attached are the timelines of all the letters I have sent and the responses I have received from XXXX. 

I appreciate your assistance in this matter and look forward to your help in achieving a resolution.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-24 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. During the verification call from Santander, the loan servicer, I stated that I did not authorize any add-ons, such as an extended warranty or protection package. However, a few hours later, the loan servicer informed me that a tire and wheel package, costing {$1400.00}, was included in my loan. I neither requested this tire and wheel package, was informed of its inclusion, nor recall seeing any document outlining its terms or warranties. Upon further inspection of the paperwork, I discovered that page 2 out of 5 of the uniform selling contract ( XXXX ) XXXX which itemizes all costs, is missing from my records and seems to have been intentionally omitted. This missing page is critical as it should disclose all costs associated with the purchase. After realizing the issue, I immediately contacted the finance office at XXXX XXXX. I spoke with someone who promised they would call me back by the end of the day, but I never received such a call. I left another voicemail around XXXX XXXX  but have not received a response. I believe the inclusion of this {$1400.00} charge without my knowledge or consent, coupled with the missing page from the contract, indicates deceptive and fraudulent practices by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.

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 2024-05-24 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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

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 2024-05-24 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XXXX XXXX updated payment information on my account 3 months after I closed account. I had no access to account or to update payment method. I transferred out my number through XXXX on XX/XX/XXXX then on XX/XX/XXXX I received an email from XXXX XXXX saying I updated my payment t information. Which I did not. Then the bank payed a POS purchase from XXXX XXXX even though the money was not available on the account and I had opted out of overdraft protection and sided with XXXX XXXX saying I somehow authorized the payment method and the charge to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. I received letters in the mail and received phone calls about my Bank of America account being closed due to a fraudulent check that I have no knowledge of. A few months later I opened up a XXXXXXXX XXXX account that was closed due to me being in the XXXXXXXX XXXX. I was so confused because I have great banking history.

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 2024-05-24 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: GA

Complaint narrative:
I have always kept up with timely payments for this account, never allowing them to be overdue. I'm unclear on why there are late payment remarks. As per 15 USC 1666b, billing errors should be fixed.

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 2024-05-24 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 XXXXXX/XX/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