vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX someone used my debit card at a XXXX for the amount of {$1700.00}. This was not authorized by me. Chase refuses to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2024 I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with Transunion, XXXX and 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 2024-04-30 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: MI

Complaint narrative:
on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America XXXX XXXX XXXX XXXX. I was given an offer for a 0 % balance transfer so I used it to transfer {$2300.00} towards my XXXX. My minimum payment on my Bank of America card was {$25.00} and set to autopay probably for a year now. On XX/XX/year> the {$25.00} autopay was taken out of my account, but then on XX/XX/year> {$2300.00} was taken out of my checking account to pay for the transfer without my permission. I wasn't given a notice. I didn't change anything in my payment settings. When I double-checked to make sure my auto payment was the same and to see if I missed anything, nothing had changed. On screenshots of my payments, the {$2300.00} didn't appear on the list of payments, except for on the pdf bill statement. When I asked in customer service chat what happened she said, " ... After reviewing the account, I see you have 2 payments set up. I can delete the XXXX XXXX payment for you so that you can make and manage payments through XXXX XXXX only. Would you like me to complete that request? '' I said yes. I also asked why doesn't that payment appear in my list of payments? I don't see that I had a direct debit payment set up. I never changed anything. The customer service rep said, " That is an older method of payment that is managed by a bank associate. You will only see the debit. There is no way to view or manage the payments online. '' I never did this. I never permitted for them to do this. This sounds unethical that they can just make this decision. Fortunately, I was able to pay it. But I would like them to be held accountable in case they try to do this to someone else who can't pay. What is the point of a transfer offer if they are going to take it right out anyway and without permission?

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 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Upon checking my credit report, I noticed an auto loan on my credit report that was reported as " late ''. The loan was from an auto company called XXXX XXXX in the amount of {$39000.00}. The account was opened on XX/XX/2023. I contacted the auto loan company to obtain more information and was told the loan was for a XXXX XXXX vehicle. The loan was opened under my name and social security number. However, the address used on file was incorrect. I reported to the auto loan company that this is a fraudulent account and I did not authorize or have any knowledge of this account until now. I did not sign any paperworks related tho this loan. I was informed to contact the credit bureaus to report this loan as fraud.

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 2024-04-30 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: Credit Karma, LLC
State: NV

Complaint narrative:
Dear, XXXX XXXX and or other Credit Karma Employees, Per the ( F.C.R.A ) Fair Credit Reporting Act as a Federally protected Consumer, I, the Consumer recently checked my credit report and noticed over 100 promotional soft inquiries were made through your services, to be exact 103 soft inquiries were made without my permission, Its not about my credit score its about my personal and private information that ( you ) or your company violated Which at this time violates the Privacy Act of 1974. I am requesting that you provide me with the full and necessary documents to verify that you were given permissible purpose per 15 U.S.C 1681 B. You have 30 thirty day ( s ) after receiving this letter/affidavit to comply or settle in writing to the above contact information. Attached is an Invoice marked Exhibit B and will not be binding until ( 30 ) days have passed with no attempt to cure the consumer additional fees will apply after Every 5 days additional {$50000.00} will be added until I the consumer is cured, and further litigation will take place. See Attached Exhibit Sheet-A 2 pages the highlighted section belongs to Credit Karma. Please be advised that this is a binding contract once you receive this NOTICE!!! FOR HE WHO BRINGS CONTROVERSY MUST PROVIDE REMEDY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, a camera and two lenses that I had listed on XXXX XXXX was sold through venmo to a XXXX user that I had chatted with on the website, and then the phone. 

I had documented proof that this person engaged in conversation with me with the intent to purchase my camera, and then arranged for his partner to come pick the camera up after he had sent me {$4500.00} through venmo to my personal venmo account. Within a couple of days of this deal, I found that the charges had been disputed and my venmo account was negative {$4500.00}. I showed evidence to venmo that this transaction was legitimate and they dismissed me as saying I was not protected and that I owe them the balance. It seems as though this person used a stolen credit card, and I am being hit with the responsibility that I feel should lie on these financial institutions who provide this service in such a manner that permits a widespread industry of scam with little to no security for those who use it. They are a massive Corporation and I am a single citizen attempting to use the service that they offer. The solution is not to tell users to be careful who they sell to. Because I did my diligence. I was not aware that venmo permitted unrestricted use where a person 's identity was not actually tied to an account and that they are free to just throw thousands of dollars on credit only to dispute it and change their account name entirely and somehow get away with it. Where is the security? How is a person allowed to use a credit card with a name not matched to their account? And furthermore, how is their account permitted to be used when not linked to a bank account of that same identity? Why is there little to no restrictions on financial transactions in place if all venmo is going to do is tell users too bad. All that accomplishes is venmo still gets their money, the scammer keeps his, and innocent people caught in the middle are left with severe debt that they do not owe. 

I have documents showing timestamps, chat logs, phone call logs, and proof that this person willingly sent me this money only to then dispute it and change their name on venmo. I've already sent all of this over to venmo and they said that it essentially wasn't relevant because I was not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: LA

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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/XXXX I called Affirm to notify them of an unauthorized transaction to Booking.com. I had received an email of the loan purchase and I told them I did not make that transaction nor did I authorize it. They opened case # XXXX. On XX/XX/XXXX I received an email from Affirm stating that they completed their investigation and a resolution was found in my favor. It stated I will not be held responsible for the loans made in my name and the loans will not be reported to XXXX. They locked my account and I was told I would be able to later reopen the account once I secured the account and was able to provide my identity. Last year in XXXX I called Affirm to see if I would be able to re-secure my account. On XX/XX/XXXX they send me an email with a link to provide my documents for identity verification. I sent in a copy of my Driver 's License and did the biometrics as requested on their link. On XX/XX/XXXX I received an email from Affirm that stated I was able to recover my account and it is ready for use again. The email specifically states, " This means you can do everything in your account that you did before and you won't see any evidence of the unauthorized activity that occurred. Again, please know that you will not be held responsible for any activity determined to be unauthorized. '' Last week I tried to use affirm, but I was denied because they show that the unauthorized transactions are still showing on my account and they reported them to the credit bureau as charged off in XX/XX/XXXX. I provided all the emails to them that they stated I would not be responsible for those transactions, but they again locked my account and want me to re-secure the account by again sending in my Driver 's License and doing the biometrics. I do not feel comfortable providing that type of information again since I did receive the email from them on XX/XX/XXXX that they received my information and my account was secure. I feel that there is some type of fraudulent things within the company and would like to know where all my information that I provided them in XX/XX/XXXX to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
According to Experian 's response to complaint XXXX the following items were removed in XXXX. My most recent credit report shows that the following account and unauthorized inquiries are still reporting. Please remove the following items from my credit report : Inquiries:XXXX XXXX XXXX XX/XX/2023 EXPERIAN , XXXX XXXX XXXX XX/XX/2023 EXPERIAN , XXXX XXXX XXXX XX/XX/2023 , XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 EXPERIAN, XXXX XXXX XXXXXX/XX/2023 EXPERIAN, XXXX XXXX XXXX  XX/XX/2023 EXPERIAN, XXXX XXXX XXXX XX/XX/2023 EXPERIAN

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 2024-04-30 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Solar Mosaic LLC
State: CA

Complaint narrative:
I purchased a home in XX/XX/year> that had a solar system with a balance. I decided to assume the loan from Solar Mosaic. Solar Mosaic required me to fill out an application so they could run my credit. I filled out the application on XX/XX/year> and I received an email stating I was approved to take over the loan. On XX/XX/year> Solar Mosaic called me to tell me they made an error and needed me to fill out another application. They assured me they would not need to run my credit again and even if they did they would remove one of the inquiries. As a result of them running my credit on XX/XX/XXXX and XXXX I now have 2 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make timely payments. I'm certain of this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't happen. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make timely payments. I'm certain of this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't happen. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are some incorrect information on 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 explanation
Consumer complaint received 2024-04-30 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-30 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company SUNRISECRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-04-30 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: PA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not 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