vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
XXXX  close my account. I have money in this company account. They toll me about a rebound of this money, but never arrive to my account, I cant check nothing because my account is close. They send me a link but I cant do nothing there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-01-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: NY

Complaint narrative:
Improper use of credit. Unauthorized inquiries that I did not consent to

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime ( who operates with The XXXX Bank ) closed my account with no prior notice and no warning. They gave ABSOLUTELY ZERO explanation for why and never tried to reason with me. They said in an e-mail they would " send out a check within a month '' to my address, but I simply can not wait that long to pay bills as I am a full time college student. The initial email was received on XX/XX/2021. 

I have reached out to Chime no less than *4 times* to try to get a response from them to see what is going on, but every time I have been responded with " Our team will get back to you shortly. '' I still have not received ANY response from them at all. I am not a wealthy college student, not by a long shot. The {$3000.00} that was in that checking account is something I need to have on hand to buy things like food. 

Trying to call Chime on the phone, you are met with " We see that we have closed your account. Please e-mail us and we can assist you if you need. Goodbye. '' ( Paraphrasing slightly there ). Chime is making it absolutely impossible for me to make any contact with them, despite there being NO FRAUD IN MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Receivable Collection Services, LLC
State: NY

Complaint narrative:
Please note there is a fraud account on my credit, RECEIVABLE COLLECTION. I dont know what this account is, nor did I authorize anyone to open this account. Please delete it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
After having issues with a cancelled gym membership and in ability to deposit cash into my bank account i was told by a banker that my only options where to have someone zelle money into my account and give them my cash tips or close my account and go with another bank. i chose to close my account and opened a different bank account with a new bank and was told after the conclusion of my claim for the gym i could transfer my money to new bank and the account would be closed. this call took place i believe on the XXXX of XXXX and i opened and used the reimbursed money with in the next few days. i had filed 4-5 claims over the last months against the gym and was told by the bank they put a stop payment on anything coming from them and the gym changed how they were charging the account so it kept going through. after switching banks i put through a change of direct deposit with my work which got messed up so it still went to my old account with Wells Fargo ( which should have been a closed account at this point ). the account was never closed and was charged again by the gym and some other recurring payments " XXXX, XXXX XXXX  ect. '' which over drafted my account more than the total of my payroll check could cover. i called again to try and resolve the issues1 the gym still charging me 2 the account still being open and 3 my payroll check going into the negative account and how to get that money back. i was then transferred to claims department and told the account was not closed because i needed to cancel all of my bills before i could close it which does not make sense to me as they reason i was closing the account was they were allowing the gym to continuously charge me month after month and closing my account should then mean there's no account for them to charge in any way possible but they refused to close it and told me to get in contact with every one of my recurring bill companies and cancel the payments before they will do anything. i have tried on multiple occasions to close my account with planet fitness ( the gym i was being charged by ) and was told on multiple occasions it was closed then after the 3rd time filing a claim and calling the gym i was told i needed to drive 2 hours to a different branch to cancel ( this is what caused me to have wells fargo put a stop payment on they charges in the first place ).

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 2022-01-06 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I XXXX XXXX am federal protected under the FDRA and FDCPA. Credit Acceptance violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX the dispute is with for CHASE ACCT #. XXXX XXXX XXXX XXXX XXXX : On XX/XX/2021, A man called me on my cell phone identifying himself as a member of the Chase Fraud department, said that my card was in danger of fraud and he needed to confirm some information, asked me my name, confirmed my address and my cell number., he mentioned about my other credit cards as well, he needed to do the same., I became suspicious of the call and hang up,. I immediately called the back of Chase Card number and REPORTED the suspicious call, requested a payment stop for any purchases on the account and asked for the card to be canceled. Things seemed to be normal, My card was canceled and replaced by another one within a couple of weeks. For the next month, I received the monthly bill with two charges done on the day mentioned above : the charges were done by these merchants 1. XXXX XXXX XXXX XXXX The amounts rounds up to about 6.000 thousand dollars for both charges., I have asked CHASE FRAUD numerous times to drop the charges because I was a victim of a fraud, but they insist that the charges were legit, that they emailed me about the charges being done, but the email address was not current., they did not called me to my cell phone or texted. They have limited themselves to send me a letter, confirming the charges and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
Thought there was a mistake when I initially applied for a balance transfer it never went through online so they took the application on the phone sometime past I called them to check on the status and they said there was a problem I then asked them what the problem was and they said that they needed more information because there was a security fraud issue and did not elaborate error they evaded the question I found out later when I called XXXX was that I had a credit freeze on my account that they probably couldnt access it and that I should call Discover back I called them back and tried to straighten it out and they said that XXXX wanted a form filled out to confirm some information and I asked why is it necessary and they evaded the question several times during 3 conversations they wouldnt answer me directly ; subsequently I called XXXX back they g they said that there was there really isnt much They can do. guess they can just get away with cutting me off from my own account that was always paid on time had excellent credit for no reason they wanted to re-verify everything and I did expect this not with my credit history. I unlocked my credit report when I talk to XXXX and they can access my current information and my on time payment history including paying off their card but they refuse to cooperate and I have o account or rights apparently. XXXX denied they had anything to do with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OK

Complaint narrative:
I received notice through XXXXXXXX, provided to me by XXXX since I am a XXXX XXXX XXXX  and my personal information was compromised through XXXX  or XXXX, that two fraudulent credit inquiries had been submitted to Transunion using my personal information on XXXX XX/XX/2021, from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I called both those banks and was able to ensure that no credit cards or bank accounts were opened based on the fraudulent information. On XXXX XX/XX/2021, I went online and established an account with Transunion but their dispute page did not allow online dispute of these inquiries and instead stated I would need to call. I called XXXX and after 30 minutes of holding, was advised by an agent who spoke very poor English that these fraudulent inquiries would not be removed from my credit report or my credit score unless I submitted documentation through the mail. There is no such documentation, and mailing documents represents an undue burden on the citizen and taxpayer. On the same date, XXXX was able to remove similar fraudulent inquiries reported to me via XXXXXXXX using only information provided over the phone. The XXXX process to reach a human representative was also much more straightforward. I request that the CFPB place sanctions and civil financial penalties on Transunion to discourage ongoing anti-consumer behavior of this type.

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing a complaint against XXXX bank ( now Huntington National Bank ). I called customer service to request to close my checking account on XX/XX/2021. At the time, I have a remaining balance of {$1100.00}. The representative helped me deactivate my debit card and told me the closure will be processed within XXXX business days and the remaining balance will be mailed in check. But I never receive the check. 

I called again on XX/XX/2021. The representative confirmed that she can see my account closure and requested me to call back in XXXX because the policy of re-issuing checks is 3 months after the original check was issued. 

I called again on XX/XX/2021. The representative asked to me go to the local branch with my ID. 

I went to the branch on XX/XX/2021 at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The agent said the balance at account closure is {$0.00} and there are no transactions in their system because they delete everything 2 months after account closure ( but I was asked to wait for 3 months for reissuing a check ). The agent is very rude. She told me they never close accounts through phone ( how come I know it if the first rep did not tell me this information? ) and blame me it is my responsibility not to keep track of the money ( I did everything I can do for this based on customer service 's instruction, and also followed up through phone twice, XXXX minutes for the first call and XXXX minutes for the second call ). She told me they will request the backend team to look into it and get back to me within a week. But I did not hear any back for the past week. 

I am attaching the last statement saved on my computer before the account closure for more account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: CA

Complaint narrative:
Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX block the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code XXXX. XXXX, XXXX, Transuion received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, XXXX, Transuion was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, XXXX, Transuion has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.

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 2022-01-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX XXXX the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code 1681c-2. XXXX, Equifax, XXXX received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, Equifax, XXXX was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, Equifax, XXXX has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.

Company response to consumer: Closed with explanation