vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: DC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I've attempted to wire transfer funds from CITI multiple times, CITI has cancelled all transactions claiming they need to verify my phone number. I've called from the phone number in the system, I've got them on a recorded line. All times I verified with a supervisor. I even called from my brother 's number that was also verified. I also tried doing a transfer to another bank today and it was blocked. Said I was limited until XX/XX/2023. This is my money if I want to wire or transfer funds, I should be allowed to. Citi is scamming the process. There were several other attempts aside from the ones I attached.

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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
to whom it may concern i applied for auto refinance through XXXX XXXX XXXX loans i was approved, they matched me with axos bank before they lowered my monthly payments it XXXX for a XXXX XXXX elantra that i purchased in XXXX im on a fixed income i get my check once a month XXXX before the XXXX because of the account that i have with chimes bank which pays you XXXX before the due date # XXXX the didnt take that much off # XXXX they keep applying these late fees i have asked them severals times if they can lower my payments from XXXX to now paying XXXX a month is not helping me i'm not able to work due to arthrtis of the knees i only get XXXX from ssa a month after i pay my bills i have nothing left! i get calls for collections i get calls that my car is up for repo i asked them to please change my due date they tell me when i'm current on payments thats not going to happen because i pay on the XXXX or the XXXX then after the XXXX of the month it goe from the XXXX until the XXXX XXXX pass due then here comes the late fees i even tried to refinance my car again through the axos bank itself DENIED! THIS THE WORST BANK I EVER DELT WITH PLEASE CAN YOU LOOK INTO THIS MATTER I NEED MY CAR I HAVE MEDICAL ISSUES, THEY KNOW OF THIS, THIS BANK HAS NO EMPATHY FOR NO ONE IN THESE TRYING TIMES! ... ... XXXX BLESS STAY SAFE THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint : - Period between XX/XX/2023 - XX/XX/2023 ; I had XXXX fraudulent charges range {$0.00} - {$2900.00} totaling {$10000.00}. I got {$6700.00} reimbursed, and {$3200.00} was never credited back to me. 
THIS IS WHAT IS MISSING XXXX I have looked into the Fraud Charges on : - DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} HOWEVER, I WAS CREDITED FOR XX/XX/2023 FOR XXXX and {$2100.00} AND NO CREDIT FOR XX/XX/2023 FOR {$1000.00} AND XXXX TOTAL {$3200.00} Background : - I was never notified of these fraudulent charges and I called the bank on XX/XX/2023 to report. The bank acknowledged the problem and did not give me any explanation who used it, and why I did not get notified of fraudulent activity. For example, if I purchased anything by website, then I get notified by email that " CARD NOT PRESENT. '' This is the way Truist Bank always tells me. For the above XXXX transactions NO such notification was given. 
Proof : - see statement attached I have called and called, visited Truist Bank Braches and no one has given me any resolution. NOTHING in writing, why {$3200.00} not given credit. 
Whenever I call the XXXX and you get to the part " push if you already have a pending dispute '' THEY HANG UP.

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 2023-03-20 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: MS

Complaint narrative:
On XX/XX/XXXX I mailed my identity theft report to Transunion requesting removal of the fraudulent items. They did not remove the items within 4 business days of receipt ( per 15 USC 1681c-2 ( a ) ) and instead claimed my hand written and thumb printed letter was a third party. This was obviously incorrect, however they requested I send another one and I generously complied. So on XX/XX/XXXX I sent them my identity theft report again with request to remove the items. They did delete the items except for XXXX fraudulent inquiry ( XXXX via XXXX  XX/XX/XXXX ). 

Unfortunately they soon reinserted an account ( XXXX  XXXX ) claiming it as 'verified '' without following 15 USC 1681i ( 5 ) ( B ) ( ii ) which states they must notify me with a written letter within 5 days of reinsertion. Supposedly having done an investigative report to confirm the accuracy of this reinserted account, I have personally confirmed that they have not reached out to any of my family friends or acquaintances to complete an investigative report per 15 USC 1681a ( e ).

Furthermore, per 15 USC 1681b ( a ) ( 2 ), Transunion needs my written expressed permission to furnish any information on my credit report. I have requested that they send me proof of this written expressed permission and instruction to furnish this information with my wet-ink signature. 

On XX/XX/XXXX I sent another letter to Transunion requesting that they send me a sworn proof of verification affidavit to demonstrate their proper and legal investigation into this matter. I am simply attempting to have the correct information on my credit report. I need this to be reporting accurately. 

Failure to produce the original contract agreement for inspection will be evidence of fraud in claiming that I owe any debt and that Transunion is allowed by law to report on my consumer credit report and file. ( Pursuant to UCC 3-302 ) If Transunion can not provide where my written expressed consent has been sent to them in reference to reporting this information AND show me where they did a thorough by-the-book investigation into this fraudulent account, Im simply asking that it be taken off like its supposed to be. It is fraudulent and it is harming my reputation. There is a reason Transunion has paid millions in lawsuits for these exact issues that I am having with them. 

I have called Transunion and gotten nowhere. I'm only asking you to follow the law and respect my reputation which you are actively harming.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After further review of my credit report and after requesting multiple investigations of the accuracy of the data. Transunion has continually allowed data furnishers to report data that is not compliant with the XXXX XXXX XXXX. The data deviates from the standard agreed upon by Transunion according to the XXXX agreement, adopted in accordance with 15 USC 1681. This deviation from the XXXX XXXX XXXX jeopardizes the integrity of the data, Transunion has verified that false data is being reported accurately.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On my XXXX XXXX XXXX XXXX  Card ending in XXXX My statement date XX/XX/2023 there is an interest charge that is at an illegal rate and Usurious Interest rate is charged. ( Statement attached as proof ) My Account Balance after payment is posted is {$200.00}. 

Proper interest would have only been ~ {$3.00} approx. I was wrongfully charged nearly {$8.00} Nearly 60 % APR of interest!! 

Even though the interest rate is already quite excessive at ~30 % I was charged Double the rate disclosed and the rate in my card member agreement. For a person with a score over 720 this 30 % rate is both abusive and unwarranted. Never the less, charging double that 300 % rate is both in violation of the rate promised and disclosed and is in violation of Usury laws in this country. 

Then when I called Synchrony to dispute the charge, the first manager hung up the phone on me refusing to even address the issue. 

Then I called back and MULTIPLE Synchrony Reps used Unfair & Deceptive Business Practices delaying my call for over an hour, Deliberately & deceptively transferring me 4-times to the wrong extension and completely inappropriate Synchrony group so they could not claim to handle my call! After nearly 2-Hours I finally got to a manager named XXXX who deliberately misquoted the nature and basis of my dispute so he could wrongfully deny it and then refused to take the dispute all together. Mass General Laws Chapter 93A is a consumer protection Law Violating the rights of consumers with the use of Unfair & Deceptive Business practices and entitled the consumer to Treble Damages when used. 

Fines, Penalty 's and damages must be levied against this unscrupulous lender.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2023. Social security pension check was given on XXXX the XXXX 2023. Social security XXXX stated that my father is due the check in XXXX because the check is a XXXX check this check is a month behind due to social security. The bank Chase Bank has instructed they claim for the amount due to the case of the XXXX  beneficiary the bank Chase Bank is claiming that my father account is overdrawn by {$800.00} yet his a check is for they will not release the funds nor will they send the check back to social security until payment is given of {$800.00}. I informed them that social security said they could take the money out of his check and either deposit the rest of the money or send the check back to social security with the amount taken out of the {$800.00}. Bank does not agree bank will still hold it they have a hold on my father 's check since XXXX the XXXX they won't solve resolve this problem with me nor will they send the check back to social security or lift the check to get the money that he is owed and release the funds to his account. They will not help me no matter how many times I walk into the bank and ask them or call them and social security said their hands are tied until the bank agrees to either take the money that's owed and issue the check or reissue another check under my name a mail check through social security. The bank stated that XX/XX/XXXX they will lift the check then they said the XXXX of XXXX now they said they're just holding the check until the overdraft amount is given. I spent them I do not have the funds Bank said they can't do anything about it. So they're holding the check not releasing it back to social security and they will not release the check to take their money and deposit the rest of the money that's owed to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase has closed my account to fraud! SBA LOAN! However they have only provided me with an email address for for further action, no one responds from the email address given in 2021 the funds have not been returned and I need to know where it is, when will they get returned? Chase states they no longer have funds! So where are the funds? Is my question and how can SBA retrieve them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NC

Complaint narrative:
I submitted disputes on the following dates XXXX XX/XX/XXXX to XXXX, Equifax XXXX and XXXX in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: DE

Complaint narrative:
The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be UPDATED TO PAID AS AGREED immediately. 

Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Update to paid as agreed XX/XX/2023, XX/XX/202XXXX 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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into theXX/XX/XXXXI have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this TransUnion sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the XXXX XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-20 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: DC

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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