vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I noticed another deposit was made out of my compromised XXXX account the amount of XXXX $ was processed by chase on XXXX of this month.I also had XXXX trace a transaction to chase of XXXX $ a month ago.I reported this to customer service and XXXX near begged for it back the money was stolen from sellers from my bank account through disputes that a hacker tried to manipulate to steal money from me messing up my good standings on a account I had over XXXXChase told me because the account was closed I can't report fraud and have payments reversed.I then told customer service isn't that theft for me to have items then dispute it keep the item then get a refund they said look at the good it went to your negative balance that's horrible how's that ok to steal from sellers and apply the money to money u owe the bank.Chase is allowing this Why isnt that criminal activity I don't think the hacker knew XXXX only returns money to oringal payment method.Paypal can not reverse a refund once bank has it I have to go through chase to recover the money have it reversed so XXXX can then return it to seller.I tried for weeks hours to get the fraud department to reverse the money back they said there's nothing I can do.The fact is how can chase allow someone to commit fraud to payback a negative bank balance by stealing from businesses and tell me I'm out of luck because I owe a negative balance I want to do to it the right way and do a payment plan I don't want to take money from a business I'm dealing with a comprised Chase account also this very one had bad checks written to it not by me had money cashapped out my account I lost XXXX $ from that bank couldn't help me I owe chase XXXX $ from being a victim of fraud.My XXXX account is not in good standing this hacker was put me in financial mess I'm trying to clean up now Chase XXXX refusing to return money back to XXXX so XXXX can return it back to the sellers.Its fraud which I reported and yet Chase said it's automatic it decides to apply a refund to negative account I said even if I'm reporting it as fraud customer service said look at as it a good thing it will pay down what u owe if there telling me this who else are they telling this to the fact that someone can dispute legit charges keep the item and payoff a debt that's clearly fraud i told they hung up on me this is not good business practice at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The payment history of my account is not correct. The report shows that I was delinquent for XX/XX/XXXX payment ( XX/XX/XXXX being 30 day cutoff for 30 days past due ). My car was deemed a total loss by XXXX XXXX due to accident on XX/XX/2024. ( XXXX actually happened in XXXX ) but it took till XX/XX/XXXX for total loss determination during which time I continued to pay loan even though the car was undrivable and at auto body facility. XXXX XXXX then sent letter to me ( attached ) that the loan was to be paid off directly with my loan holder ... Truist Bank. I received a letter stating the loan was entirely paid off on XX/XX/XXXX. 8 days before a 30 day delinquency which I was monitoring very carefully to avoid any late payments. Due to an error by my insurance company however they never notified me that XXXX XXXXejected this payment because it was short {$XXXX} ( out of {$XXXX} ). However... they did send a {$XXXX} payment. After sending me attached letter stating loan was paid off neither XXXX  nor XXXX informed me it was not posted to my account and still in process. And even though my insurance company sent {$XXXX XXXX deemed my account to be 30 days delinquent because their system did not accept the additional {$XXXX} until after the XX/XX/XXXX XXXX delinquency cut off. However ... .again ... It was communicated to me that my loan was paid off and no further payment was required. I have NEVER had a delinquency on my auto loans. As you can see from my history I paid on time every time. This is an error on my insurance companies fault and Truist never communicated with me it was not paid off while they were working through the process. XXXX XXXX even got on the phone with XXXX and indicated it was not my error... but an error between XXXX and Truist. In speaking with Truist they agreed this delinquency was not my error and would reach out to credit bureaus to correct. However... they have now declined to help me. After escalating to management they are now taking the position it was not their error and refuse to help me any further. Prior to this issue I had a credit score of XXXX. Overnight it went to XXXX. This has severe financial consequences for myself and family thru no fault of my own. This is very harmful and I do not feel due to my insurance companies mistake and lack of communication from Truist I should be held responsible for this delinquency when I have a spotless payment record. Thanks you for you consideration.

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 2024-06-28 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XXXX went to ATM to withdraw {$XXXX} for my car payment. Got Error from ATM money not dispensed. Called the ATM company and was told to filea regulation E-claim and would have my money back same day. 

Called chime told them and was told I'd have my money within XXXX hours. I've called them daily and they told me they are investigating and won't be resolved until XXXX XXXX this is fraud. They stole my {$XXXX} and I'm getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial 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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2024, I deposited a check at a Bank of America ATM Machine in the amount of {$4000.00}. While processing my transaction, the machine malfunctioned in the middle of deposit transaction and did not return check nor credit funds deposited.

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 2024-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
4 years ago now XXXX reported debt to genesis recovery about a debt i do not owe. They took my security deposit which was enough for my last month rent. They try to charge me fees for carpet, something they have to repair, maryland law does not allow landlords to charge for normal wear and tare. They made up trash replacement over {$100.00} and sent this to a debt collection agency that has been adding interest on this debt and reported to my credit. I asked genesis for proof and how this debt is mines and they sent me my lease that is not proof, just because you have a lease does not show proof of carpet replacement and trash removal and rent owe. They would have evicted me if i owe rent and took me to court. They did not show me valid proof that this is actually true, they are going off word to mouth from XXXX which is illegal. The debt agency has been reporting to my credit hurting my credit after i have told them multiple times this is not my debt, they also have been harrassing me over and over a whole 3 years later which is also too late to collect on a debt. XXXX has not sent me this debt when i moved out, this is retaliation because i got into a small dispute with the office manager at XXXX apartments. Everything the debt collector and udr is doing is illegal. I will continue to report and call all credit agency 's until they remove this debt. They also can not add interest when i did not validate it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
Unauthorized accounts linked to identity theft appear on my consumer report without my written consent or wet signature. Following my recent communication with your organization, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial harm by misrepresenting my credit history and obligations. I am prepared to pursue legal recourse if this matter is not adequately resolved. These fraudulent entries have impeded my ability to achieve crucial financial milestones, including home ownership and providing for my family 's needs.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian for unlawfully re-inserting a 30-day late payment into my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). This wrongful action has caused me significant financial and emotional distress, and I am seeking your assistance to rectify the situation and to pursue monetary damages for the harm suffered. 

On XXXX, I discovered that a XXXX late payment, which had previously been removed from my credit report following a dispute, was re-inserted by Experian. According to the FCRA, specifically under Section 611 ( a ) ( 5 ) ( B ), a credit reporting agency must notify the consumer within five business days if a previously deleted item is re-inserted into the credit report and provide the basis for the re-insertion. To date, I have not received any such notification or substantiation from Experian. 
The re-insertion of this derogatory mark has adversely affected my credit score and my ability to obtain credit on favorable terms. Consequently, I have experienced financial setbacks, including but not limited to : 1. Higher interest rates on loans and credit cards 2. Denial of credit applications 3. Increased insurance premiums 4. Emotional distress and anxiety In a similar case, Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court held that credit reporting agencies must strictly comply with the reinvestigation and notification requirements of the FCRA. The failure to do so constitutes a willful violation, warranting statutory and punitive damages. 

Given the severity of this issue, I am requesting the following actions from the Consumer Financial Protection Bureau : 1. An immediate investigation into Experian 's practices regarding the unlawful re-insertion of the 30-day late payment on my credit report.

2. An order for Experian to permanently remove the inaccurate 30-day late payment from my credit report.

3. Monetary damages to compensate for the financial losses and emotional distress caused by Experian 's actions. I am seeking compensation in the amount of {$1000.00} to cover the increased costs and related damages.

Enclosed with this letter are copies of my credit reports, previous dispute correspondence, and other relevant documentation supporting my claim. I trust that the CFPB will take swift and appropriate action to address this matter and prevent further harm to consumers. 

Thank you for your attention to this serious issue. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX : Credit reports Dispute correspondence

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 2024-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Ticket # XXXX Hello Chairman : My name is XXXX XXXX XXXX I am a current, in good standing customer of the financial company, XXXX. I hold a Checking and XXXX banking product with So-Fi. 
More recently, during a routine checkup of my savings account ( # XXXX ). 

I was very disgruntled to find that there were two transactions allowed to be withdrawn from the account, which were not associated with any business relationship or product that I have ever purchased. 
On XX/XX/year> and XX/XX/year>. 

















These transactions are listed as follows : Upon noticing these within my account ledger, I immediately reached out to the support department to inquire and file a dispute. 

I was then advised by email that I would be out of all of the funds, because the transactions were over 60 days old and that the bank would do nothing to help me as a customer to recover my stolen funds from this business. 

With the state of consumer information in the United States being compromised at many business locations, I have no choice but to believe, that since I do not know or every have had any relationship with this merchant, that my information has somehow been compromised and my personal information has been along with it, as a customer of SoFi.

This should have been resolved by the customer support team, however since they are not based in the United States, I believe that they are not willing to assist and support me as an American citizen.

I am asking for a thorough and expeditious review and recovery of every amount of the funds that were taken out of my account and I am expecting a letter and phone call with an apology, that I have had to take my time from work to contact you this manner. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: KY

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information 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 2024-06-28 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: KY

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information 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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief