vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX, I messaged XXXX XXXX XXXX on XXXX marketplace regarding his newly listed lot of monster high dolls ( XXXX for {$500.00} ). 

We arranged to have me pick them up on Wednesday XX/XX/XXXX but unfortunately I could not so he agreed to ship them. It would be {$500.00} and I agreed. 

I was concerned of scam so he told me he had a mercari ( https : XXXX? XXXX ) I messaged him there and he verified it was definitely him from XXXX. So I was assured he also sent a photo of his profile. 

We tried XXXX XXXX XXXX XXXX and XXXX. Eventually he gave me his phone number and I just sent it through Chase XXXX. I sent him the {$500.00} on XX/XX/2023 in XXXX separate payments of {$250.00}. 

He sent me a tracking number and kept me updated until today where his XXXX marketplace account is gone. I messaged him on mercari to which he told me it wasnt him and he thought I was talking about XXXX. The tracking number is stated to go to me but its just all over the place. 

I called but they said theres nothing they can do about it since I authorized. But there should be a way to track down who did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When acting in good faith I was denied credit by citi.when i was applied for a credit card. I overstand my rights has been violated under 12 cfr 1002 regulation ( B ) Denial of credit. It clearly states any applicant that applies should not be denied when acting in good faith..

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 2023-09-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have reported this as identity report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report provided by TransUnion. This dispute pertains to their claim of verifying my credit report through the bankruptcy courthouse when, in fact, they utilized a third-party company, XXXX XXXX XXXX for this purpose. 

On XX/XX/2023, I requested a copy of my credit report from TransUnion, as is my right under the Fair Credit Reporting Act ( FCRA ). Upon reviewing the report, I noticed discrepancies in the verification process. TransUnion stated that they had verified my bankruptcy status through the bankruptcy courthouse. However, after conducting my own investigation, I found that this information was inaccurately represented. 

I have evidence to support my claim that TransUnion did not contact the bankruptcy courthouse for verification, but instead relied on data obtained from XXXX XXXX. This raises concerns about the accuracy and integrity of the information contained in my credit report, which can have significant implications for my financial well-being. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to ensure that TransUnion rectifies the inaccuracies in my credit report. I believe it is essential to maintain the highest standards of accuracy and transparency in credit reporting to protect consumers ' rights and financial interests. 

Enclosed with this letter, please find copies of the documents that support my claim, including correspondence with TransUnion and any relevant proof of their reliance on XXXX XXXX for verification. 

I appreciate your prompt attention to this matter and your commitment to upholding the rights of consumers in matters of credit reporting accuracy. Please inform me of any further actions or documentation required from my end to facilitate this investigation. 

I requested that the translation service provide evidence and confirmation of their direct communication with the courthouse. However, they failed to do so. Furthermore, they neglected to rectify the situation despite the presence of an erroneous name, " XXXX, '' on the bankruptcy record that does not correspond to my own. It is important to note that my name is not " XXXX, '' but rather " 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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UPGRADE, INC.
State: MO

Complaint narrative:
Someone opened a credit card in my name for {$450.00}. The payments for this loan were coming out of my account. Upgrade agrees that it is a fraud account but will not return my payments. Upgrade took six payments of {$34.00} out of my account. I have called twice about a refund and all they tell me is that they have escalated my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Round 1*** My 1st case was decided in my favor after reporting 2 unauthorized transactions, but I was never reimbursed for the fraudulent funds transfer. 
( ( Case : XXXX ) ) Transaction ID : XXXX Amount : {$100.00} Transaction Date : XX/XX/2023 Transaction ID : XXXX Amount : {$1200.00} Transaction Date : XX/XX/2023 I then contacted PayPal 's support team via Phone and was told they were having " technical issues '' and apologized about me not being refunded. An agent explained the reason I might of not been reimbursed yet is because the system may have not added the transactions to the unauthorized transaction claim. ( How is that even possible? ) The agent then asked me for permission to and I quote " ..initiate a new claim to get your funds back to you. '' I said absolutely, I will put it in writing and I sent it via email with the agents initials attached. 

Round 2*** A new unauthorized transaction claim was filed on my behalf. ( ( Case : XXXX ) ) This case was later closed NOT in my favor. Here 's the case response : " Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. '' I would like to appeal this decision. I would also like to add that I am looking into contacting the CFPB, XXXX, Attorney Advice, as well XXXX. 

I ask that you remedy this situation as soon as you can. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: Kriya Capital, LLC
State: LA

Complaint narrative:
This company is reporting a debt that is not authorized. 
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
Prestige financial approved me for a car loan only to discriminate against me and deny me three days later. Thats a clear violation of equal credit opportunity and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative 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 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
In XX/XX/2022, someone took out a {$3200.00} personal loan in my name. I have never spoken with Prosper. I have no knowledge of this transaction. Prosper has not provided any proof that it was me who took out this loan. They have taken out 8 monthly payments of {$140.00} each. I have been in contact with Prosper since XXXX. From XXXX til XXXX, they said they would investigate and get back to me- it never happened. In XXXX, I tried to stop the payments through my bank. I had to close that account and start a different account. They have asked for identity theft paperwork and for it to be notarized. I have mailed it 3 times and emailed it once. 
Each time I call to check on the progress, they ask for more paperwork. I am currently waiting to pick up a police report. I will get the police report, driver 's license, and tax bill as proof of my residency notarized after I pick up the report and then mail it. 
Currently, Prosper is posting negative things about me on my credit report. 
Thank you for your 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 explanation
Consumer complaint received 2023-09-08 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: GA

Complaint narrative:
I am writing to bring to your attention a matter regarding my credit report with Experian. On XX/XX/XXXX, I contacted Experian regarding the presence of incorrect information on my credit report. To this date, I have not received any response from them. I wish to report the following inaccuracies and request the necessary corrections : Account Details : Account Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Current Balance : {$25000.00} Remarks : This account does not belong to me and should not be on my credit report. I kindly request its immediate removal.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Sapphire reserve credit card The balance for which was paid in full over a week prior to the statement closing date. However I was charged {$390.00} dollars for interest on a balance that was paid In full on the following statement. Chase refunded {$300.00} of interest but refused to refun the remainder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: OH

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 I initiated a consumer credit transaction with AMERICAN EXPRESS, I applied and submitted an application for a new American Express Gold Card. After applying in good faith I was sent a letter stating that AMERICAN EXPRESS was unable to approve my application for me at the specified time on XX/XX/2023 due to information received from a third party agency. AMERICAN EXPRESS has utilized the information collected and have violated my right to an equal credit opportunity. AMERICAN EXPRESS is in fact discriminating against me by only utilizing that information collected and not giving me an Equal Credit Opportunity. AMERICAN EXPRESS received my collateral security and I received nothing in return by giving AMERICAN EXPRESS my application, this transaction was not equitable to me. I have called AMERICAN EXPRESS to rectify this situation and I was told over the phone by a representative that my right to an equal opportunity basically does not matter. I was also told misinformation because on the adverse letter it states that the consumer reporting agency played no part in the decision of denial but over the phone while speaking with a representative of American Express I was told that they only utilize the information from the third party agency. I have reserved my right to exercise my rights in the EQUAL CREDIT OPPORTUNITY ACT under the Consumer Credit Protection Act. ALL OF MY RIGHT TO AN EQUAL OPPORTUNITY HAVE BEEN VIOLATED. My right to safety against discriminatory violations have in fact been violated. This has affected my livelihood tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: SD

Complaint narrative:
My employer gave me a {$110.00} Virtual Visa prepaid gift card, issued by https : //www.prepaiddigitalsolutions.com and on XX/XX/XXXX, I registered my card with them online. I used {$100.00} in transactions. The card expired XX/XX/XXXX. On XX/XX/XXXX prepaid solutions XXXX out the virtual card balance with a {$10.00} reversal. When I chatted with online customer service, they informed me that, per the cardholder agreement, the balance was lost. After learning from the CFPB website that I could request the card be re-issued, the second rep I chatted with informed me this wasn't possible because the {$12.00} reissue fee would be greater than the {$10.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WY

Complaint narrative:
Truist Bank in XXXX WV, opened a fraudulent checking account with a person claiming to be me. The checks were IRS XXXX money  checks in the excess amount of XXXX. The checks were made out to my business XXXX XXXX XXXX. The endorsement was just initials. The bank will not give us any information, even though they called us to let us know what had happened and they did not get suspicious until the XXXX  was taking out cash! These checks had an address of XXXX WY and the person opened up the account in West Virginia -- - red flag i would think! 

I want to know if this bank actually followed protocol and sent these back to the Fed as fraudulent or endorsement not as drawn. 

This is a lot of money that they gave out! And they will not communicate with us at all even after we filed a police report. They are not working with our Police dept either! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WY 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent XXXX, Transunion, and XXXX a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account.

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.

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