vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There is a unauthorized charge on my account for the amount of {$110.00} I contact BMO and they stated they can not due anything for me to obtain the money back.

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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I am the representative payee for my mother and use chime Bank to do money transfers and other such financial transactions to take care of her bills and needs. On XX/XX/XXXX, I went to transfer money to my mother in the amount of {$50.00} and send it to her new phone number at the time which the money never was received by her. Since these types of transactions are typically instant with chime I contacted them immediately in which they told me the funds were transferred to the account number associated with the phone number. The advised me that they did nothing wrong at chime and he would go ahead and enter a dispute for it to research it further but did not expect it to be awarded. It was in fact denied and I called back up to open another claim and this time ask for supervisor in which I believe they just opened another claim and said they'd let their supervisor know. In the meantime I did open a claim with the social Security fraud administration complaint handling and have not gotten an update as of yet on this matter. I still have yet to get a resolution on the funds delivered to the wrong account. What happened is that the number for the individual who used to have the phone number before my mother still has this number setup on their account. Rather than having a verification in place for these situations they allow the automated system to deposit the funds and refuse anyone who isn't aware that they don't force the receiver to verify the number prior to issuing these funds to the account despite there being a risk of potentially not being who the funds are are intended for. I did advise the reps that I spoke with these are social security benefits that are intended for the beneficiary and if they go to the wrong person they really need to reverse that transaction since they advertise that they allow you to transfer to a person 's phone number but don't state that you risk a problem if you're not aware that the person may have an account setup with the same phone number but may possibly go to someone it's not intended for and then though you don't have access to lookup in their system if the phone number is associated with someone else that they refuse to refund the payment in these situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 U.S.C 1681.

US DEPT OF ED/XXXX # XXXX, US DEPT OF EDXXXX 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 under 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instruction.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I went to the atm on XX/XX/23 to deposit XXXX in my new account with chase for my bills I have been calling them about my deposit. The receipt shows card last XXXX of XXXX sequence # XXXX and advised me to call XXXX to see if money was available I need my money today is my payday and I thought using this account except for XXXX would be better Im trying to build credit to buy a house. Chase is constantly giving me the run around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 explanation
Consumer complaint received 2023-03-28 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: DE

Complaint narrative:
Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : 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 XXXXXXXX XXXX XXXX Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to 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 non-monetary relief
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous certified letters regarding my credit report. I called Tuesday XX/XX/2023 at XXXX XXXX spoke with representative XXXX employee number # XXXX, regarding my concern of late payments reporting. XXXX stated that Equifax reports whatever the information is provided by the agencies even if it is unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX  ( XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; In closing, please reverse the inaccurate information from my credit report and send me an updated copy of my credit report once it has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX 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 2023-03-28 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: NY

Complaint narrative:
I was a victim of identity theft all these inquiry are fraud please remove these inquiries from all credit reports.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OH

Complaint narrative:
I have a complaint ID XXXX XXXX. My complaint is with Key Bank. 
They responded to my complaint that the status of our dispute is closed. I still have not been refunded my money. I know that key Bank is responsible for restoring my funds. They now say that they are waiting for XXXX  XXXX XXXX to refund the money to them. They have to XX/XX/XXXX. If they do not refund the not to my bank, they plan an sending me a letter stating that my money will not be refunded.I find this unacceptable. 
My case number with key Bank is. XXXX Phone XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I contacted Discover in XXXX and XXXXXXXX XXXX XXXXXXXX to dispute all transactions made on my account for the time period of XX/XX/XXXX through account closure XX/XX/XXXX. Discover denied my dispute stating account consistent with account holder 's prior activity. However, I didn't make any transactions or authorize anyone else to utilize my account. I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and I am still on a ankle monitor on home confinement. I submitted proof of my incarceration but Discover still refuse to refund my money. How they arrived at their conclusion is inaccurate I was incarcerated and reviewing the transaction they were made in different state from where I reside. The transactions totaled over {$600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regional acceptance, XX/XX/2019, the car was an ex of mine who did not pay the car off because the engine went out and he did a voluntary repossession with out my consent.

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 2023-03-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX AT & T Universal Card account shows a pending " authorization charge '' of {$26.00} for an XXXX ordered. I paid this on XX/XX/23 and XXXX says it removed the charge on XX/XX/23, yet the credit card online account summary shows the charge still pending. I contacted AT & T card service on XX/XX/23 and was told nothing could be done until the charge posts and is disputed, XXXX tells me the card carrier is taking too long to remove this pending charge that I have already paid. AT & T customer service tells me I must wait until the charge posts and go through the dispute process. In the meantime my credit limit is reduced by the amount of this charge. AT & T should promptly remove this illegitimate pending charge and release the amount back to my credit limit.

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 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX Apartments charged {$820.00} on my credit because they said rent was not paid in XX/XX/2020. The property manger has stated and it's in their system that XXXX residents ' money orders were stolen and mine was XXXX. They were supposed to be investigating but still no response from higher management. I reached out to XXXX and they said that the money was cashed. I have the stub receipt from the money order and the email from XXXX XXXX stating that it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
2015 garnishes my pay check No knowledge of debt No contact from collections agency just letters from court about garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using an online transfer from XXXX XXXX. In XXXX of XXXX, a year later, Navy Federal erroneously sent back the pay off back to XXXX XXXX. NFCU then charged interest for an entire year even though my loan was paid off. 

I only became aware of the loan being active again when it showed on a mortgage application. 

Once I was aware the loan was open I immediately paid off the total. However, there was an added {$2600.00} in interested as a result of Navy Federal backdating an entire year. Again, even though my loan was paid off. 

The entire time between the loan re-opening and being paid off 'again ' was about XXXX weeks if I recall correctly. Nonetheless there's an entire year of interest. 

I've spoken with XXXX XXXX regarding any request to have the funds sent back. XXXX XXXX specifically said, because the amount of time is over a year they would have not requested nor would have any ability to request the funds be returned for any reason. I was sent a letter that also mentioned this. 

I've made many attempts with NFCU to resolve this issue without result. Most recently I've gone back to my message accounts in XXXX XXXX and can not find any of my communications regarding this matter in my secure inbox. Even though there are older messages in the inbox and I have not deleted anything. 

Attached document shows the last payment received on XX/XX/XXXX The loan was satisfied and closed. 

Screenshot attached. Messages in NFCU dating back to XXXX. However, any messages regarding my attempts to have the issue corrected have been removed from my inbox. I have never deleted a message from my NFCU inbox. The message labeled " Message from Navy Federal Credit Union [ XXXX ] '' is the attached document mentioned above showing the loan paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023, i transferred {$1000.00} to my son using my XXXX on my online account and as at XX/XX/2023 the money has not been received by my son. I called the bank ( Capital One Bank ) to ensure he receives the money and could not be given reason why my son did not receive the money. I was only given reasons why money sent by XXXX could be held. I requested a cancelation of the transaction and money refunded into my account and was advised to reach out to the corresponding bank. I told them i have no business with the corresponding bank and would want my money refunded to my account and they stated they will have to do some investigation which could take XXXX days. This is not acceptable to me because the number of days is too long and want my account credited for what was taken out of my account and let them sort it out with XXXX. I am not happy with this and i consider it an abuse of our contractual obligation. Going forward, i need my money refunded with interest and a letter of apology. 
My account # is XXXX and the routing # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Made an ATM cash deposit of {$2700.00} with my debit card from Regions ... XXXXthe ATM was then making the transition and suddenly became dysfunctional... XXXXthen returned the card without any confirmation. I became aware that this was not a normal function of any ATM that I have experienced ... ..so I drove and parked, then proceeded into the Bank to address the current issues ... The person that responded was XXXX XXXX XXXX XXXX the ATM was under a XXXX party service called XXXX ... and could only file a Confirmation of Disputed Transaction. I immediately ask why there was not a posted sign for your customers to warning of cash deposits ... as I would have never used this process ... and immediately brought the cash to the bank teller instead. She had only the company policys to reply. As a senior citizen this is a XXXX draw back of my rights, and the funds not being available as my needs are very important. Please help.

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 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I got a letter from a collection agency saying that i own the sum of XXXX dollars.i sent a validation letter. They responded by sending me the same invoices and report to the XXXXonsumer reporting agencies to be listed as disputed. i am trying to buy my first home .this could stop me by buying my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation