vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX it was a late payment that took place with a a credit card company called self lender. The company issued a late payment. Late Payments CFPB 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. 12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. They are in violation of my privacy rights per the Privacy Act of 1974. It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 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: MD

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 2024-06-04 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have been detrimental to my credit health.

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 2024-06-04 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
Dear sir or madam, I have a XXXX XXXX  account with Wise US Inc and transfered XXXX to someone on XXXX of XXXX. After 6 business days the money still didn't arrive ( I saw screenshots of the receipents recent transfers ). 
I entered a call request on XXXX XXXX but never received it. I can't call them directly, because they only do call back. 

Please let me know what additional details.you need. 

Thank you and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, I have the right to privacy. 15 USC 1681 section 604, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Manley Deas & Kochalski LLC
State: NE

Complaint narrative:
I have a vacation ownership with XXXX XXXX. I received a foreclosure letter from a lawfirm without ever receiving any notice of a past due balance from XXXX. XXXX claims notices were sent to an old address ; however, all of my mail is forwarded from that address and I have not received any notifications. Went to the XXXX website to view my statements and no statements are available. I was told that because the account has been sent to foreclosure, I can not view any statements. So essentially, they are telling me I have to pay an amount I can not even review a statement for.

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 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX, I began using a dating app where I connected with a woman named XXXX, who also went by alias XXXX. She claimed to be a business woman based in XXXX XXXX, California. As we interacted and developed a friendship, she introduced me to an opportunity she said would allow me to earn significant returns through an AI-generated cryptocurrency trading platform ( XXXX  ). She explained that this platform allowed for profitable trades every 12 hours. XXXX guided me on how to set up my investments. She helped me transfer funds from my financial institution to a digital wallet called " Trust Wallet ''. Specifically, I purchased cryptocurrencies like XXXX  ( XXXX  ) or XXXX  ( XXXX ) to use for trading on this AI platform.Over the course of a month, I saw encouraging returns on my investments as the balance in my AI account grew. In fact, I transferred few gains from AI platform to my current Trust Wallet. However, XXXX informed me that to maximize my gains and improve my trading capacity, I needed to increase my " weight score. '' This score, according to her, would increase if I added more funds to my account. Moreover, AI Customer Service continues to send me the prompt that I have a low weight score and need to add funds to improve my weight score and earn more gains faster. Then, just yesterday morning, I discovered that my Trust Wallet balance had plummeted to {$0.00}, and {$1900.00} had been transferred out. I opened a ticket with XXXX XXXX team about an unauthorized transfer out, which is being reviewed. 

Alarmed, I contacted XXXX immediately. She reassured me that my funds were not lost but suggested that I needed to add {$3000.00} XXXX to improve my weight score, which she claimed was necessary for my initial funds to be returned.Trusting her advice, I transferred another {$3200.00} from my bank card to my Trust Wallet. After informing XXXX that I had added the required funds, I was shocked to find that, within minutes, my TrustWallet balance was back to {$0.00}. At this point, the realization hit me that I had been scammed. 

Total amount scammed : {$1900.00} + {$3000.00} = {$5000.00} Steps taken by me : 1. Reported the scam to Trust wallet Support and a Ticket # XXXX ( XX/XX/year> ) has been created in the email to respond within 1-2 days. Unfortunately, no response from them yet.

2. Filed an online complaint at FTC web site ( report fraudXXXX  ). Case # XXXX XXXX. Filled and submitted XXXX Referral form on XX/XX/year>. 
4. Based on the steps published on TrustWallet page how to reprt a scam, sent email to security team to bring down the domain name ASAP to avoid other users be the victim of such a scam.

5. Created a new digital wallet by following the steps referred on Trust Wallet web page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I am a member of USAA bank. I was going on a trip and wanted to deposit physical cash onto my debit card. I went to the XXXX XXXX  ATM on XX/XX/XXXX at XXXX XXXX  Mountain time at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah. I deposited {$280.00} in cash into the ATM and the " attempted deposit '' failed, I received a receipt stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number on the back of your card ''. I did not receive the electronic transaction nor did the ATM give me back the XXXX in cash I deposited. I went into the XXXX XXXX  with my receipt, but the teller said she couldn't help me because " XXXX XXXX  does not own the ATM outside '', despite the fact that the ATM says " XXXX XXXX  '' on it and my receipt says XXXX XXXX  on the top. I contacted USAA on XX/XX/XXXX to submit a claim disputing this action and even submitted a photo of the receipt from the ATM. On XX/XX/XXXX I received a document stating " We don't have any record of the deposit attempt ; therefor, we're unable to further assist with the deposit dispute. Please contact the owner of the ATM for further assistance ''. I am willing to provide scanned photos of each document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my Banckruptcy was completed and discharged it says dismissed

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase Business Checking account on XX/XX/year> with a coupon I recieved in the mail that had a {$750.00} bonus offer if I deposited {$30000.00} within 30 days of account opening, and maintained that balance until the 60th day. I made sure I deposited $ XXXX within the 30 days ( it was more like 7 days ), and my balance never once dropped below that amount. All of my monthly statements proove that to be true, aswell as all of my records I've kept that show the promotion was attached to my account when I opened it. On XX/XX/year> I recieved {$400.00} into my Business Checking Account, not the full {$750.00} that was stated in the terms. I reached out that same day to a banker over the phone, who told me she could see that the offer was attached correctly, and that my balance never did drop below {$30000.00}. She was confused as to why I didn't get the full {$750.00}, and told me she would create a ticket, and a banker would reach out in 2-3 days. A week passed by with no response/call from anyone at Chase. I reached back out via XXXX XXXX to see what was going on, and was told the same thing except this time a banker would reach out in 7-10 days. Well 10 days passed by yet again with not a single person reaching out to me. I want to know where is the remaining {$350.00} that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

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 2024-06-04 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
Between XX/XX/2024 and XX/XX/2024, over XXXX was stolen from my account two different people used XXXX XXXX i reported the first one and when I went to do the second time it was still pending and they said it would have to come off of pending, which then they ( sofi bank ) froze my account and then two months later closed it because it was a negative balance on it for 2 months which I didnt do. My social security went into that account. well when they froze the account i went and got another bank account with another company.

Company response to consumer: Closed with explanation