vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: Experian Information Solutions 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please delete this account

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 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My Daughter used my cash app card to order boots. When I got home I looked at her purchase. XXXX pairs of boots XXXX XXXX for {$120.00}. To good to be true. I checked the site she ordered from. It came up as a scam site. With a tag of untrustworthy, with multiple complaints of non delivery. I had her cancel her order. She did within an hour. I followed up by calling cash app. The representative I spoke with reversed the transaction. The scam merchant forced the transaction after responding to the cancellation with a notice that I would be contacted soon. I contacted cash app support and filed a dispute. Since then I have filed numerous disputes all to no avail. I have provided screenshots of the cancellation along with the date I personally cancelled it. XX/XX/XXXX. The merchant acknowledged the cancellation, which I also sent in a screenshot. The merchant insisted on sending the merchandise, trying to assure me Id be satisfied with the product. I continued to cancel over and over. After multiple cancellations from me the merchant told me that the items were delivered. By XXXX, however the postal worker acknowledged that no such delivery was ever made. To me or to any of my neighbors. Now the merchant is questioning whether I missed the package, because its small and might not have seen it, and to check that no one in my home signed for it. XXXX pairs of boots are not small. I have sent screenshots of all the information provided by me and by the merchant. Yet my disputes are continually denied. Now this merchant has notified me that they sent the wrong merchandise, and its now my responsibility to find and return it so they can send the right order. All of which is captured in screenshots sent to you. Tracking number has been entered into XXXX tracking system. Package doesnt exist. Screenshot included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 Account Number : XXXX XXXX XXXXe : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Experian Information Solutions 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I deposited a check for the amount of {$1900.00} from XXXX XXXX XXXX ( it was my old 401k account ). They placed a hold on the funds until XXXX XXXX I called to see if I could get the funds added to my account as I need the money. I was told it was the law that they held funds the way that they did. 

On XXXX XXXX  I deposited my paycheck and again the funds were put on hold until XXXX XXXX This check was {$1600.00}. I called and they said it was because they had to verify the funds. Currently all my bill money and car repair money for my 401k is being held. 

I currently bank with Discover, and honestly was happy until now. I know it doesnt seem like a big deal to a banker, but I literally need this money to survive. I did some XXXX  and couldnt find a law they could site, and I know they wouldnt assume the funds are not legitimate coming from XXXX XXXX 

It sounds like they are making money off the interest of my money while I go without. If this is legal I want to know how it could be justified. They assured me they would pay my bill late fees if I could prove they are at fault, but being they are a big bank, and that they can just hold my funds to their satisfaction I am worried that is a battle I will never win.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment 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 2023-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
Rev Now is a debt collector for XXXX XXXX. I have documentation that they called me over 100 times within a month. In addition, they place three calls within an hour from different representatives. We have partnered with XXXX XXXX to help us through our financial hardship and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
I was sent letter about a debt to Jefferson that I am not aware of and it was put on my personal credit report as a collections of XXXX which has effected my credit report rating I would like this updated and removed off my credit report as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CADENCE BANK
State: MS

Complaint narrative:
They asked me if I wanted a credit card after I opened an account I replied I dont know. So they where waiting and the system was down and she said she would try it later but she didnt without contacting me I feel I should have been there while she was doing it and now hits on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
Mohela is my loan servicer. I have never dealt with the degree of ineptitude like I do with Mohela. Hold times are hours long. 99 % of representatives I speak with have no idea how to help me. 

I submitted my XXXX request for my loans back in XX/XX/2023. Mohela reps told me the process for them to review and approve is generally 5-10 business days. Its been over 2 months now and it still has not been processed. They cant tell me what the issue is or what the hold up is. 

I also consolidated my 4 direct loans because I am a XXXX XXXX with over XXXX years of XXXX XXXX. That consolidation request was submitted in XX/XX/2023 as well and my account still shows no updated information on consolidation. My four direct loans are supposed to consolidate into one that takes my highest payment count ( XXXX eligible payments as of XX/XX/2023 ), and no action has been made yet. 

Mohela needs to be held accountable. Their negligence is a burden to the thousands of students who are burdened with student loans. This is our livelihood and our economic well-being that they are messing with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NC

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: NC

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.

has violated my rights. Or a list of inquiries : 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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Re : Discrepancy in Promotional Offer and Undisclosed Fee for Business Checking Account To Whom It May Concern, I am writing to formally address a matter concerning my business checking account with US Bank, which opened on XX/XX/XXXX, under a promotional offer. The terms of the offer stated a bonus of {$750.00} upon depositing an amount of {$15000.00}. 

Following the guidance of a bank representative, I deposited {$14000.00} in cash to the said account. To meet the promotional offer threshold, I further transferred {$500.00} from another checking account I maintain with US Bank, bringing the total to the required {$15000.00}. It should be noted that at no point during this transaction was I informed by the banker that the funds had to be sourced as " new money '' from an external institution. My actions were predicated entirely on the instructions provided by the bank representative. 

Additionally, I was not apprised of a {$39.00} fee associated with depositing a significant sum of cash- '' Analysis Service Charge on XX/XX/XXXX ''. I only became aware of this charge subsequently and brought it to the bank 's attention, leading to its reversal on XX/XX/XXXX. 

On XX/XX/XXXX, US Bank credited my business checking account with a bonus of {$500.00}, an amount that is {$250.00} less than the promised sum under the promotional offer. The discrepancy was not immediately apparent and was only discovered approximately a month later. 

I have engaged in multiple discussions over the past 6 weeks with the bank to seek rectification. Each time, I have been reassured that the matter was approved and that the outstanding {$250.00} would be credited to my account by the week 's end. However, XXXX weeks have since elapsed with no resolution in sight despite my best efforts to expedite a resolution. 

I respectfully urge the bank to review this matter with utmost urgency and ensure that the promotional offer is honored in full, and any discrepancies are rectified. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account without warning or advance notice back in XXXX XXXX XXXX. The account had {$2000.00} withdrawn and I have not seen it since. They mailed out a check in XXXX without informing me which address they were mailing to, this check was subsequently lost and not received. I went into the bank, we filed a lost check request with an update request. Three weeks later, I find out that despite me filing the form and signing it inside the Chase branch itself, Chase has 'not processed ' this form and basically 'forgotten ' to send out my lost check. So we are now bank to square one and we file ANOTHER lost check request with my address ( it is XXXX now ). Fast forward another 14 business days, no check received at my address, no explanation from Chase why. In beginning of XXXX I had to file my THIRD lost check request and notarized it, still have not seen any money from Chase. It has been almost FIVE MONTHS that Chase has not been able to do something as simple as mail me the {$2000.00} they owe me. In this time, I have received mail from other banks. For example, with XXXX by XXXX XXXX, I updated my address, less than a week later they're able to get mail me at my current address ( I have received multiple letters from them ). The fact that Chase can't do the same when they literally owe me thousands of dollars is patently ridiculous, never mind the fact that the reason this account was closed without my consent in the first place was due to continuous misinformation my customer support representatives. I have been inside the branch probably 20+ times about this over the last 5 months, and still no resolution. WORST experience with a bank, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified that my personal information may have been included in a data breach so I signed up for credit monitoring and noticed some personal information that was not mine, wrong spelling of my name and an address that wasn't mine. I disputed this with Experian where i noticed the misinformation and they responded saying they didn't think it was me even though I sent them my ID, social and a utility bill with my name and address on it. So I responded back letting them know it was in fact me and provided all of the information again, my ID, social security card and utility bill and again they responded with the same thing that they don't believe it is me requesting my credit report be updated. So I went on the internet and did some research and found out that Experian does this as a stall tactic hoping consumers won't dispute the information on the credit report. I'm worried that my personal information is included in a data breach and criminals are using this misinformation to create accounts in my name and Experian is allowing the criminals to do this by refusing to remove this misinformation or even investigate it. In my research that i got from the CFPB website it says they are required by law to investigate and remove inaccurate information!

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 2023-10-27 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: IL

Complaint narrative:
application number : XXXX Someone tried to open an account on my credit report and XXXX XXXX is the creditor. There is an inquiry on my report that should not be there as i did not open, apply for an account with this company.

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