vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}

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 2023-10-14 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was scammed by crytocurrency XXXX - XXXX since XX/XX/2023. I made four different wire transfers to XXXX XXXX  via XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, GA. They use two Beneficiary banks : JPMorgan Chase, NA and XXXX XXXX. The total amount was US {$250000.00}. Having realized the scamming, I have immediately requested for recovery via XXXX. After several requests, JPMorgan Chase responsed in the message on XX/XX/2023 that " We are unable to comply with your recall request ''. XXXX responded that the accounts of acceptors were closed and did not provide details of scammer 's identity. 
I have already reported this fraud/scamming with FBI via www.ic2.gov. In addition, I have contacted SEC Atlanta, US Secret Service, FTC, and local Police. All these reports are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: Kikoff Inc.
State: AZ

Complaint narrative:
informed company that their reporting on the account was incorrect, provided information that billing of account had changed and company proceeded to report adverse items to reporting agencies. I have been a victim of data breach and unfortunately personal information remains at risk. Informed company to make corrections as the fallout of such data breach is beyond control. they responded with no understanding of how laws work and they must correct as transactions being reported are incorrect..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! 

ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER 7 YEARS!!! 

CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!! 

IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & XXXXXXXX XXXX! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST XXXX AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL!

YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING EQUIFAX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Here is the details, 1. My Credit card statement amount {$5700.00}, due date is XX/XX/23 2. I paid {$5300.00} by BOA internal transfer on XX/XX/23, short paid {$430.00} 3. XX/XX/23 I found short paid and paid balance {$430.00} by BOA internal transfer 4. I was charged interest {$210.00} for 4 days late payment amount of {$430.00} 5. I called BOA credit card company on XX/XX/23, asked them how interest calculated as {$210.00} for only 4 days late payment amount of {$430.00}, they said interest is calculated by {$15000.00} of annual interest rate 17.49 % not late payment amount of {$430.00}, they refused to reimburse incorrect interest {$210.00}

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ProCollect, Inc.
State: MD

Complaint narrative:
Procollect has continuously reported that I owe {$8400.00} to an apartment complex.on one credit report but on another report it states that I owe {$6100.00}. Section 623 ( a ) states reporting incorrect on ANY CRA MUST BE REMOVED.

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 2023-10-14 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-14 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company 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 2023-10-14 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
My credit was ran by SYNCB on XX/XX/2022 and I did not authorize this inquiry. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed my Capital One credit card account ending in XXXX in XXXX at which time I was advised by customer service representative that there was no balance due for this card and they were able to close my account. 

Recently, I accidentally realized my credit score dropped a lot because of the past due credit card payments reported by Capital One. 

I called the Capital One customer service on XX/XX/2023 trying to figure out what happened and they told me that I have a balance of {$110.00} due for my closed credit card account. This involves a XXXX membership fee of {$42.00} due on XX/XX/2023 plus late fee charges and interest charges. I explained that my credit card account was already closed and I did not receive any credit card statement since I closed my account so that I was unable to know I had a balance due. 

Upon bargaining, I made a full payment of the balance due which is {$110.00} right away over the phone and the customer service representative was able to request for a refund of a {$40.00} late fee charge and {$1.00} interest charge for me. But my request for the refund of {$29.00} late fee charge and {$0.00} interest charge was denied. 

I feel its really unfair. As a consumer, I am not supposed to pay for what I had no knowledge of. The late fee and interest charged by Capital One for a balance that the consumer had never been informed is apparently an action of taking advantage of the consumer. 

I would like to request for a refund of the {$29.00} late fee and {$0.00} interest charged by Capital One for the billing cycle of XX/XX/2023 to XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: UT

Complaint narrative:
YOU ARE IN VIOLATION OF THE FCRA LAW! THIS IS NOT AN ANSWER TO A DISPUTE! IT'S AN EXCUSE TO PREVENT PROVIDING ONE OR INVESTIGATING MY CONCERNS THAT YOU ARE FULLY REFUSING TO CORRECT! SEE ALL 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 2023-10-14 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally is threatening to close my account as part of retaliation ( due to complaint made to CFPB ). Now i wanted to cancel one of the outbound transaction. Reached out to ally during XXXX XXXX to XXXX XXXX Central time ( at this time their system was up and scheduled for maintenance at XXXXXXXX XXXX  EST ). chatted with ally XXXX XXXX. She shamelessly asked me to call Ally customer service. I called Ally customer service and happen to talk to XXXX interaction ID XXXX. 

Both XXXX and XXXX are in the weekend mode and simply passing me from one place to another. Why can't they cancel the transaction of {$1000.00} going to my XXXX account when system is up? If they can't do it now, why can't they make a note of customer request and do it when the system is up rather than asking customer to call again? 


Total waste of time and efforts for me.

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 2023-10-14 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: MS

Complaint narrative:
I received a letter from TransUnion saying that they will not reinvestigate my complaint, i am still requesting proof that the account on my credit file that they are claiming belong to me.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! 

ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER XXXX  YEARS!!!

CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!!

IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & COMENITY BANK! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST COMENITY AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL!

YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING XXXX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
EXACTLY WHY ARE THESE BEING SENT?????? 

I REFUSE TO COMPLY!!!! 

CFPB HAS WAYS FOR US TO ID OURSELVES, THIS IS YOUR WAY OF NOT HANDLING THE DISPUTES BUT CONTINUING TO LIE TO CFPB STATING YOU'VE ADDRESSED IT! 

YOU ARE IN VIOLATION OF THE FCRA LAWS AND I WILL SUE IF THIS DOES NOT STOP! THE FTC AND CFPB ARE ALREADY SUING XXXX XXXX OVER THEIR UNETHICAL LAW BREAKING PRACTICES, IF I HAVE TO I WILL SUE YOU AND CALL ATTENTION TO IT TOO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NE

Complaint narrative:
Date : XXXX Zelle scam sent {$390.00} to a XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX said it was authorized ( unfortunately it was not yet the transaction still happened. My phone was hacked and the transaction went through. ) the bank refuses to fix the problem because they see it as an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: CT

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX  XXXX XXXX Balance : {$240.00}

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi. 
Chase placed a hold on a check that I tried to deposit. They are saying they cant verify the phone number for the other payee. we have contact XXXX XXXX XXXX to get them to confirm that it was the correct name on the account. XXXX XXXX XXXX confirmed that there is nothing else to be done on their end. HOwever Chase bank is still saying they cant verify phone number on their database. More so, they wont allow any other way to verify funds. Even after I suggested going into the bank with my ID, Chase said No. 

Lastly Chase wont even release my other funds thst they have verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I completed the process to as external account, it was successful. I requested to transfer XXXX XXXXXXXX The transfer was cancelled by chase The reason I was given by chase it was that the account could not be verified. 
I spoke to horrible manager XXXX at the fraud dept and she was rude, unhelpful, not knowledgeable at all. Nasty attitude This is complete fraud by chase bank. 
Chase should be penalized by this government agency cause it is fraud by chase.

Company response to consumer: Closed with explanation