vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: OR

Complaint narrative:
According to the statutes outlined in XXXX5 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: LA

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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.
State: TX

Complaint narrative:
I logged into my Chase account to check my credit card balance. I saw an offer for {$900.00} to open a new checking and savings account with a minimum deposit of {$15000.00} to the savings account. I created the accounts, accepted the terms and conditions and followed a Chase prompt to transfer funds to create the opening balance. The Chase website had me add the account information, choose the amount of the transfer, i provided the information and indicated the amount of {$15000.00}. I then received a phone call from Chase to verify my information. I answered several questions, the last being a question of an address where i lived 25 years ago. I told the Chase employee, i lived there for less than 6 months 25 years ago, i dont remember the address, i would be guessing. He told me he needed an answer so i guessed and got it wrong. They didn't process the transfer. I called Chase, they told me that for that amount, the relationship with the other bank has to be in place for 6 months. When i followed the Chase websites prompts for adding an account and indicating the transfer amount, none of that was stated in their information, terms and conditions or anywhere. I was transferred to a supervisor and i told her what happened and asked her to close the checking and savings accounts because i woud n't do business with them if this is how they operate. XXXX or XXXX told me that i couldn't close the accounts over the phone, that i would have to go into a branch. I told her i opened the accounts over the web, why cant i close it over the phone or web and she said i had to go to a branch.

1 ) Chase is promoting an offer and their website prompts you to do something that goes against their own policies and misleads the customers.

2 ) I should be able to close an account over the phone or web if thats how it was opened.

3 ) How do i know this wasn't a scam to get my other financial institutions login and password information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have had two credit inquiries on my account in the last 24 hours. Both were on XX/XX/year>. The first was from TD Retail Card Services, the second was XXXX. I did not initiate these actions for either! On XX/XX/year> I was alerted of a security data breach from XXXX XXXX XXXX and was informed that my social security number had been compromised. I'm wondering if someone is using my social security to apply for credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: VA

Complaint narrative:
Received a XXXX CashApp card in the mail with my name and address on the envelope on XX/XX/XXXX. Did not sign up for this card, nor have I ever used CashApp. I contacted CashApp on XX/XX/XXXX via phone to figure out if this was a solicitation attempt or if someone opened a card in my name. 

The representative on the phone refused to provide me with any information on how the card was opened. After arguing with the representative for XXXX minutes, he finally agreed to check his database to see if I was even listed as a customer. He searched using my cellphone number and claimed that I was not found in the system. 

I alerted him that this was fraud to which point he said he could not help me any further unless I provided them with a picture copy of the card. They provided me with a link to send a picture of the card- which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from Cash App stating " we located the CashApp account. We have closed the account and Cash App card associated with your information. We also recommend visiting XXXX where they can help you report and recover from identify theft. '' I asked for confirmation of what information was used to open the account in my name and was asked in return via email on XX/XX/XXXX to provide a copy of some sort of identification such as driver 's license, Birth certificate, social etc. 

I refused to provide any sort of Personally Identifiable information to the company as there is already fraud involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I paid off my credit card statement in full after realizing Paypal was charging me {$500.00} in interest every month! Once I paid off the card I closed my account. After closing the account Paypal charged me {$2.00} in interest. Because my account was closed and I hadn't new charges on the card, I did not owe them {$2.00} in interest, that was their mistake to correct. Over a month later they charge me a {$30.00} late for for not paying the {$2.00} in interest! Now I'm getting a call almost weekly stating that " this is an attempt to collect a debt '' I don't owe you anything my credit card is closed. Please return the balance to XXXX  and leave me alone.

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 2024-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXXXXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Reporting agency has violated my consumer rights by improperly reporting to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I was checking my credit on Credit Karma and noticed significant errors recently, specifically on my XXXX report on Credit Karma. It shows that they closed three ( 3 ) ACTIVE in GOOD STANDING credit card accounts that I use on a regular basis. I went to the direct XXXX site and these accounts are NOT closed on the XXXX site. I contacted XXXX via telephone and filed a dispute even though XXXX did not close the accounts on their end. These three ( 3 ) accounts are showing closed on Credit Karma and have a note that they have been included in a bankruptcy. This bankruptcy was prior to opening these accounts a couple of years ago. These ACCOUNTS ARE NOT CLOSED. I also contacted my lenders to advise them that Credit Karma has reported incorrect information and confirm that they did NOT report this information. I then contacted Credit Karma and they said they only enter information as received. THIS INFORMATION WAS NOT RECEIVED FROM XXXX and they closed these accounts in error. Credit Karma refuses to correct the problem. This is a huge mistake and I need it corrected immediately. How can a 3rd party credit reporting agency arbitrarily close someone's accounts with receiving that information from a lender or the main credit reporting agency. This is an error on the part of Credit Karma. This also adversly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint inappropriately enforced an escrow account on my loan for another lendee. They pulled {$260.00} out of my checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Total amount {$790.00}. 
Reference my prior complaint # XXXX The monies have not been refunded to me. Phone calls made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to direct contacts have been unanswered. Emails sent on XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to customer advocate and XX/XX/XXXX to XXXX XXXX. No response. On XX/XX/XXXX was able to speak with XXXX XXXX who advised me they are waiting for XXXX XXXX a third party vendor to send refund. She is escalating the matter to their tax office. 
Back in XXXX I was told a refund from XXXX XXXX XXXX office had issued refund. It is now XXXX months later and I still have not been refunded the {$790.00}. 
I do not have an escrow account with this lender and pay my own taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: MI

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I received a credit alert about a bill sent to debt collections. Upon reviewing the debt, I found that the company was located in XXXX states none of them being where I have lived my entire life. I then proceeded to call XXXX XXXX where they were not willing to give me any information on where the service was being provided the account number, when the account was opened, etc. This was done in XXXX XXXX XXXX. I then disputed the account with all three credit bureaus with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
To accordance with the fair credit credit reporting act Alley financial has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 602A. Section 2. It also states a consumer reporting agency can not furnish an 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 2024-05-22 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: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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