vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a longterm Customer of XXXX as I have a XXXX XXXX  and have participated in two balance transfers. My credit score was XXXX and is now down to XXXX, and this is after paying down three accounts. When I initially complained to XXXX they clearly stated that my score had dropped based on the FICO Score 8 based on TransUnion data. I spoke with FICO and the response was nonsencial. In addition to filing this complaint, I am making a strong complaint woth Senator XXXX XXXX, our Senator. I demand that my Scor is returned to XXXX Plus. I have completed two balance transfers in which acounts were paid off. I am slso sending this to our local newspaper, The XXXX  and the XXXX XXXX. See suporting documents.

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 2023-04-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My initial complaint to Ecperian in regards to my CFPB dispute # XXXX was not handled in accordance to the FCRA nor CFPB 's investigation deadline of 60 days. 

This is a blatant disregard of the seriousness of this to consumers as myself.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I received on my email that an inquiry was placed on several of my credit reports with XXXX, XXXX, and XXXX on XX/XX/2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. One main Financial placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-17 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: GA

Complaint narrative:
inaccurate 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 2023-04-17 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : 1st FRANKLIN FINANCIAL BANK balance {$1600.00} 30 days late Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: AZ

Complaint narrative:
On XX/XX/XXXX I left the country on XXXX leave. I returned the end of XXXX. While reviewing my chase bank account I realized multiple charges made from an online casino I immediately called the bank and informed them. I call the merchant and they told me they will review the charges and refund my money in 10 business days and I should inform my bank of fraud. Over {$18000.00} was moving backs and forth in my account. I did inform my bank an a claim was open. When I called to get an update they had denied my claim and told me I can no longer open an account with their bank and my accounts would be frozen and any money returned by check. The person said I should send whatever documents I had. I send my flight information, a copy of my bereavement letter from work, my bank accounts showing where I was getting money from to support my family, my birth certificate, and a copy of my mothers funeral program. When I followed up with them they told me that all charges were online and me being out of the country doesnt prove I didnt make them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Airtm Inc.
State: DE

Complaint narrative:
Dear CFPB, I am writing to file a complaint against a financial institution that goes by the name of AIRTM, Inc ( https : XXXX ). I recently used their platform to exchange American dollars for XXXX XXXX, and I have been met with an incredibly frustrating experience. I believe that this institution is engaging in fraudulent practices and misleading their customers. 

To begin with, the institution has not been forthcoming with information. They have not been transparent about their problems on their website, and I was not made aware of the issues before I attempted to make my transaction. As a result, I have been left without access to my money, and my account has been blocked. 

Furthermore, it appears that this institution has a history of these types of problems. I have heard from other customers that they have experienced similar issues, and yet the institution has not taken any steps to address these problems. 

In addition, I feel as though the institution has " swallowed '' my money. I can not change my currency or resend it back to my international bank account, and I have no idea when I will be able to access my funds. This has caused me a great deal of stress and anxiety, and I believe that the institution should be held accountable for their actions. 

I urge you to investigate this institution and take appropriate action to ensure that they are not engaging in fraudulent practices. I appreciate your attention to this matter and look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached XXXX fraudulent accounts and fraudulent inquiries in an FTC 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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Company : XXXX, a XXXX XXXX XXXX XXXX. 

Description of Complaint : I used XXXX 's prepaid card payment method to pay for a medical bill incurred on XX/XX/2023. This payment method resulted in a debit ( reduction ) to my bank account of {$200.00} on XX/XX/2023. 

On XX/XX/2023, I received a notification from XXXX that the prepaid card had not yet been processed by the medical services provider. I settled my bill using an alternative payment method, and contacted XXXX to request a refund. 

On XX/XX/2023 XXXX was opened in response to my refund request and I received confirmation that my payment would be refunded. 

On XX/XX/2023 I received a refund of {$200.00} in my checking account. Simultaneously with this refund, my bank account listed a reversal of {$200.00} on the same date. The net deposit, as a result of the reversal, was {$0.00}. 

On XX/XX/2023 I contacted XXXX customer support via telephone inquiring about the reversal. They opened XXXX. 

On XX/XX/2023 I was requested to provide a screenshot of the reversed refund in my checking account. I replied with screenshots of my checking transaction log, the original deposit ( including transaction reference number ), and the reversal ( including transaction reference number ). 

I have contacted XXXX on XX/XX/2023 ( the original inquiry ), XX/XX/2023, XX/XX/2023, and XX/XX/2023 ( the date of this complaint ) regarding the status of my refund. As of today, I have not been contacted by XXXX- only been informed that my case is in progress. 

See attached files for ( i ) refund request and approval by XXXX and ( ii ) most recent request from the Company, in which are screenshots of 1 ) My bank transaction record, 2 ) the refund deposit, and 3 ) the reversing transaction. I have confirmed with my bank via telephone inquiry that the reversal was initiated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK

Complaint narrative:
DISCOVER BANK HOME LOANS, ACCOUNT NUMBER XXXX DISCOVER HOME LOANS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ON XX/XX/2023, I called to find out my balance. I made an over the phone payment of {$24000.00}, to XXXX XXXX, from my XXXX XXXX  checking account, XXXX, bank transaction recorded XX/XX/2023, bank reference number XXXX. 

When I called the next day they told me that since that would have paid off my mortgage, they were rejecting the payment, and instead demanded " certified funds, '' even though that is the same checking account from which they withdrew, automatically, my monthly payments since loan origination. I was in a hurry to satisfy my loan, since my house was under contract for sale, and I wanted to escalate the closing process. I kept waiting for them to send my rejected payment back to my checking account, but no success. I took money from my Discover Savings account ( {$25000.00} ) and I went to my bank ( XXXX ) and immediately made a wire transfer of the stated amount due to close the account. 

I HAVE BEEN TRYING SINCE XX/XX/2023, TO GET MY " REJECTED PAYMENT '' RETURNED. I have spent hours on the phone and sent numerous emails, and keep getting a runaround. 

I WANT MY {$24000.00} RETUNED, BY WIRE TRANSFER, NOT BY CHECK, TO MY XXXX  CHECKING ACCOUNT. 

I WANT THE 5 % INTEREST THEY WERE CHARGING ME FOR MY LOAN ADDED FROM XX/XX/2023, PLUS {$2000.00} PUNITIVE DAMAGES. 

I AM AT MY WITS ' END. I AM A XXXX  YEAR OLD XXXX, AND THIS ENTIRE ORDEAL IS MORE THAN I CAN HANDLE. 

I HAVE SINCE MOVED OUT OF THE USA, SO I DO NOT WANT, AS I TOLKD THEM, A CHECK. WIRE TRANSFER ONLY! 

PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am getting at least one email a day from Resurgent Capital services stating I owe from a previous debt and there has been a countdown stating how long I have until a possible lawsuit. 

This company also uses shady business tactics by hiding who his sending the emails by using a first name as the sender instead of the company, probably to trick people into thinking somebody they know is trying to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Someone fraudulently opened up a Macys credit card in my name.

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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/23, Paypal unexpectedly permanently and without warning, limited my account. When I login to my account, I see the message attached. I called PayPal regarding this, and they said theycould not share any more information about why this had taken place, and this decision was irreversible, and permanent. They claim the decision was based on risk but provided no other explanation. 

I have {$850.00} in my PayPal balance. PayPal says they will not release this {$850.00} for 180 days. I would like my PayPal account reinstated, since this decision was taken arbitrarily, withoutbasis and explanation. I have been a PayPal customer for over 10 years and have never had any issues or warnings regarding my usage of the service. 

Additionally, I would like my {$850.00} immediately made available to me. There is no legitimatereason to lock my funds up for 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Someone stole my identity and took these credit cards out in my name and forged my signature and lied on the application that was filled out to get the credit cards. 


This company did not do proper research on these accounts. 

I have already reached out to transworld systems company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Last summer I made a purchase at New York and Company. The order arrived very late so I ended up returning almost all the items ( some were sale items that couldnt be returned ). I used the prepaid label that they provided for the return, as well. In late XXXX, I reached out because I was still getting a bill on my credit card. They said they received my return but it was at an old warehouse and they changed facilities. He had me confirm, in email, which of the items I sent back and assured me i would receive a check for the return, along with the interest Ive been charged. Ive been reaching out for months for a follow up and to resolve but they will still not send the refund. They just keep saying they are working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This credit agency the high balance on my loan shows {$8200.00} when in fact the original balance was {$12000.00} that's a huge difference and that's a violation of the Fair Credit Reporting Act I don't feel I should have to take my time and provide screenshots if everybody was doing their job properly I'm a very busy person since I had my car repossessed this is so unfair one of my credit report says the account was open the other one says it's closed XXXX XXXX says totally different I would like to know what method they're using to verify because something is way off here and I'm not liking it and it's forcing me to take a legal action and if something is not done with us that is what's going to happen because that's that's a violation of my rights completely like I said I should not have to provide screenshots if everybody gets together and Compares things with the proper method they will automatically see that I'm right in this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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 have attached an FTC report with XXXX fraudulent account and fraudulent inquiries

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