vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
An order ( Apple XXXX ) was made through XXXX XXXX and was stolen from the delivery person. XXXX XXXX uses a delivery service called roadie and they are known to be scammers as many have mentioned that they pay their employees to take the picture confirming delivery and then taking it. I have a police report and footage stating the fact. This is a condo unit as there are no cameras in the mailroom but only on the outside. Footage shows no one going in and out of the mailroom except for the delivery person from the time it stated delivered to the time I arrived home. I have attached evidence based on this matters Ive contacted XXXX XXXX about this matter and have denied the dispute several time. I contacted Apple for the dispute and they denied it again. There is clear evidence yet the investigation was awry. I want my refund. I was given an image of the driver on the deliver confirmation but after making the complaint/report the image disappeared. This is a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 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: MI

Complaint narrative:
A full payment for errors in file was requested but never received.

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 2024-03-09 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: MI

Complaint narrative:
A full payment for errors in file was requested but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I deposited a check at my personal account to Chase Bank for the amount of {$5000.00} the check was written under XXXX XXXX XXXX fencing. ( The second is the name of my company ). So when the money was acredited Chase bank put the money on hold and did not release it because they suspected that I was commiting fraud. When I went to the bank and I explained it all to them they said that they will call the customer that gave me the check to a phone number that they had on file and they said that the customer never answered the phone so they did not give the money back to me. 

Next thing I did is I went to talk to my customer and we both made an appointment with chase bank to explain that it was not fraud, the person who issued the check went with me, we both presented our documents, explained the situation to the bank so that they would release the money, they took copies of our IDs and other documents and they said that they would fix the problem. 

The next thing Chase did is instead of releasing the money since we had clarified everything, they closed my account and they kept the {$5000.00} from the check and also they kept about {$300.00} of the money that I had in my account. I have called them many times and walk in to their branches many times but none of them can fix it, I have spoken to about 10 different agents from Chase and they all give me different explanations and it seems that they just do not want to give me the money back. 

The customer has been also going to talk to them and she has called them many times but they do not want to give us the money back, I feel terrible since I feel that they are stealing the money and I can not do anything and I feel like no one is by my side to help me agains this atrocity. 

I am writing to you with hope that you can help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: DC

Complaint narrative:
That on XXXX I receive a letter from Transunion showing XXXX Deleted accounts that I announced that was inaccurate. Also I informed Transunion to compensate me for each violation pursuant 15USC 1681a Accurate and Fairness of Credit Reporting. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

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 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Account has been paid in full, resolved and removed from all other credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I own Chase Bank and have a salary account XXXX XXXX is hiding from me.I also own XXXX and XXXX  XXXX XXXX XXXX XXXXXXXXThey disrespect me on the phone.And refuse to answer emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I did not give the following Companys LVNV Funding LLC {$500.00}, XXXX XXXX XXXX {$550.00} written consent to furnish my Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-09 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-09 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: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Someone had texted me Monday the XXXX about a job. They said that I will have an interview on the XXXX app at XXXX. During non virtual interview process I was told I was the best candidate and I was hired for XXXX XXXX XXXX  The next morning the scammer sent me an acceptance letter for the pXXXX XXXX XXXX I was then told that I will receive a XXXX check for my working materials such laptop, printer.scanner. I thought okay I found a remote job. I was told to go to a printing store and print the check and take a picture of front and back before deposit it in my account. So I thought okay. I was told to wait for the next day. The next I was told to send XXXX to someone name XXXX. I thought that was strange. I asked why am I sending money to this person and he said it is for your supplies. He then told me to send {$980.00} to someone named XXXX. He then changed it up by saying send XXXX. I tried to send money but the bank stopped the XXXX instead sent him {$500.00}. This is where I got suspicious and said I am not comfortable doing this. I called XXXX at that time I sent the {$500.00}. I had told them what was going on. They said it could be a fraud. I ask them to stop the check for XXXX and the XXXX Zelle payments sent. XXXX tells me that they are going to investigate it. Today I called XXXX about the status and they said they can not do anything about the Zelle payment made to the scammers but they reverse the check out my account and left me still paying the Zelle payment of XXXX. Which has my account with-XXXX have proof of the conversation with the scammers and I have a email of the acceptance letter as well. I have proof that this was a scam. It was a fake company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Auto has now deactivated my account to the point I can't access the third party XXXX. Trying to force me to use the higher priced third party billers. I attempted to pay the {$5.00} today that they say I owe past due and now an error code comes up on XXXX has if I don't have an account. XXXX is a third part biller as well as XXXX XXXX and XXXX XXXX its unacceptable practice to almost bully your consumers into paying higher prices to send payments. I am prepared now to move forward with a civil complaint. This is a form of predatory lending. I guess they get a kick back if I used XXXX XXXX or 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 2024-03-09 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: MO

Complaint narrative:
TRANSUNION has allowed these fraudulent accounts to be inserted into my consumer report. XXXX XXXX XXXX inserted a collection on my Transunion report without the proper correspondence. As a consumer, I have the right to request the debt to be validated before it is inserted into my consumer report. I have repeatedly asked Transunion to remove the fraudulent accounts. I have provided the required documentation as far as an FTC report and Transunion has refused to delete the accounts and continues to violate my rights as a consumer. These companies have inserted fraudulent accounts into a non-affiliated third party ( consumer report ) without my permission.

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 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Upon reviewing my credit reports, I identified significant inaccuracies linked to account number XXXX. Despite filing a dispute with the major credit reporting agencies- XXXX, XXXX, and XXXX- the inaccuracies were verified as accurate, a conclusion that contradicts the evident errors present. 

The discrepancies, encompassing the last date of activity, payment history, account number, and balance, are of utmost concern. 
Consequently, I am formally demanding the immediate rectification of these inaccuracies. It is imperative that you promptly correct or expunge this erroneous entry from my credit report. 

Failure to initiate this correction promptly will compel me to pursue legal avenues to ensure the rectification of this matter. I expect this issue to be fully resolved within 15 days from the receipt of this complaint. Please confirm in writing once the necessary corrections have been made. 

Your swift attention to this matter is essential, I trust that you will handle this concern with the urgency it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DEP OF EDXXXX XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: MI

Complaint narrative:
A full payment for errors in file was requested but never received.

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 2024-03-09 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: AZ

Complaint narrative:
I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. Equifax has my name wrong and the refused to change or provide me with my credit report. Student has my loans closing several time on my credit try to reach to them and XXXX refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. Equifax tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
Today I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2024-03-09 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: MD

Complaint narrative:
Today I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief