vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I have an account with Grain Technology and I reached out to the company back on XX/XX/XXXX and havent gotten a response. Ive sent about six emails since then and havent heard anything. I tried calling the company which you cant speak with a representative as well as it tells you to go online and submit a ticket. My payment was due on XX/XX/XXXX and I havent been able to login to my account. Ive called this number XXXX many times. No option to speak to anyone. 

I did forgot password and never received an email to change my password. Ive never been late or missed a payment and Im very concerned because this can effect my credit. I done a search on how to reach out to someone from this company and nothing. I need help! This is not how a business should operate. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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'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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reached out to XXXX in regards to some inquiries that where showing on my credit report, that are unauthorize. I reached out to the company and they are now willing to help me out at all. I was a victim of the credit breach with XXXX and is in the process of going through mediation with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed with Equifax about fraudulent inquieries on my report and nothing was done... i sent i dispute and with in 10 hours they said the had finished there investigation. they are a fraudulent company that ruins lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX XXXX Account Number : 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX i sent Check to my landlord ( XXXX XXXX XXXX XXXX ) for {$740.00}, and on XXXX I found ou the same check # XXXX was forget to {$4000.00} to the name of XXXX XXXX to a XXXX XXXX  XXXX account ( XXXX ) .on XXXX i filled a complaint with chase bank and I been told it will take 60 to 90 days for the investigation, and I still didnt get my money even the 90 days are over. 
XXXX XXXX XXXX XXXX XXXXXXXX fraud detection call me to verify the authenticity of that check, witch I told them it was forged, they told me the the money is being hold with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

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 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: SC

Complaint narrative:
Remitly, a XXXX, Washington-based financial services company, attempted to fraudulently access my XXXX XXXX checking account to steal money and send it from the US to XXXX. 
This fraudulent transaction was noticed by my wife as a pending transaction and she immediately contacted XXXX XXXX to explain what was going on and place a Stop Payment Order. XXXX XXXX acted immediately and no monies left our account. 
Meanwhile, my wife continues to receive email notifications from Remitly trying to re-establish account service. 
Date : XX/XX/2022 XXXX XXXX XXXX XXXXXXXX Co Name : Remitly Inc Amount : {$2900.00} We have nothing to do with Remitly. Never had an account. Yet they continue to fraudulently reach out to us to establish a connection and no doubt re-attempt to steal money from us. 
I have attempted to contact Remitly 's fraud department but the automated voice response system indicates an 85 minute to 90 minute wait -- again that is egregious and should be placed under a separate complaint. 
Nonetheless, I look forward to a response from the CFPB. I am searching for additional options to proactively prevent them from contacting me or my wife as well as trying to re-attempt stealing money from us. Any assistance you can provide in making this happen is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, Experian is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, Experian is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, Experian is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting

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 2022-04-27 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
on XX/XX/22 I noticed XXXX pending charges from a company or business named " XXXX  XXXX XXXX '', {$370.00} and {$450.00}... I immediately called Huntington Bank to report this fraudulent activity and have the pending charges stopped before they were completed, I was told by the bank customer service that the charges could not be stopped because they were debit card charges, and that someone must have gotten ahold of all the information from my debit card when I physically used it, the bank did however deactivate my debit card ... the last XXXX places the card was used were at XXXX  and XXXX... the charges appear to be from XXXX California, a company named XXXX XXXX  ( XXXX stands for XXXX XXXX XXXX ) ( XXXX XXXX  XXXX  ), it is a gift card service in the state of CA, it was created by the XXXX  XXXX XXXX , and it is used to make purchases at local participating businesses in the following CA cities/counties, 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... I found all this information by just simply doing a XXXX search ... let me be clear, I do not know who this company/business is, I did not authorize them to do any charges to my bank account, I did not give them my debit card information, I do not have any friends or family that live in California, and the service would not do me any good unless I were to physically visit one of the participating businesses in participating cities or counties located in CA, so why would I have authorized this service to make charges of any amount to my debit card? Huntington Bank failed to stop the unauthorized pending transactions after I reported them, the amounts put my bank account into an overdrawn amount, overdraft fees were charged to my account by the bank, and they have not bothered to investigate the situation at this point, as my bank account has still not been credited for the fraudulent charges that I reported to Huntington Bank more than 2 weeks ago ... it is clear that I would not benefit in any way by authorizing this XXXX  XXXX  service to make charges to my bank account using my debit card, and I did not do so ... and the fact that Huntington Bank has taken their time in handling this issue, which has left my account unusable is unacceptable in my opinion... I have no idea how my debit card information was stolen or accessed by the individual that used it, but I want this issue handled immediately, and I want credits issued to my account in the XXXX amounts that were fraudulently charged by the XXXX XXXX service on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a similar complaint in XXXX of XXXX. Bank of America " fixed '' their system and now the same thing is happening again. My checking account and mortgage are both with Bank of America and I also use their electronic bill pay system. Unless I pay my mortgage on the EXACT DUE DATE, their payment system processes the EXACT MORTGAGE AMOUNT as a Principal only payment. 

I have to spend a minimum of XXXX minutes, if I'm lucky, ( if not it can be an hour or better ) EVERY TIME I pay the mortgage. This is beyond frustrating and and HUGE waste of my time. Additionally, this messes up by taxes if the payments aren't correct in time AND there is absolutely no way to tell what is happening with the mortgage with them back things in and out of the system. 

THIS IS A NEW COMPLAINT, as Bank of America fixed the last issue on XX/XX/XXXX. This started to happen again in XXXX. Again, I wait until I receive the ebill and pay from their system. 

My payments for the following were processed incorrectly : Mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX was misapplied to principle and in additional the the mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX. Working in the IT field I would assume they have BUGS in their program that are causing this, but I should be compensated for them WASTING MY TIME each and every month!! It isn't like I'm paying the mortgage a month in advance. They need to FIX their mortgage payment system once and for all!!

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, XXXX is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, XXXX is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, XXXX is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting

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