vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Good morning, I received a credit from XXXX on XX/XX/XXXX and on XXXX XXXX, I spoke to a chase representative at around XXXX XXXX XXXX time regarding the credit transfer policy and she told me she can try an electronic transfer but its not guaranteed, in that event a paper check will me mailed out to me, so I told her that no dont do that and I would like to speak to her supervisor ( manager /supervisor ) regarding this transfer policy, so she transferred me to her supervisor XXXX ( spelling not confirmed ), he confirmed that chase only sends paper checks and no electronic transfer even though it states in the disclosure that electronic transfer ll be sent out. 
So I said that if that is the policy then I dont want to be sent out paper check. I said XXXX times, then he said he would be able to cancel it since its not processed yet. 
Then I found out later in the evening through my online chase app that a check has been mailed out to me. 
So I am talking to your representatives since then early morning XX/XX/XXXX to put a stop payment on this check so that no XXXX misuse it and I dont lose my money. 
I spoke to different representative, XXXX at XXXXXXXX XXXX XXXX time on XXXX XXXX. And he told me they Will contact the other department regarding this and they ll send me a letter to confirm this discussion. But I dont receive any letter thereafter. Then next supervisor named XXXX says the same thing but gives me a case no instead which is XXXX. Then next supervisor named XXXX, he said he has sent the request to put stop payment on check and it ll take XXXX business days. I spoke to him today at around XXXX XXXX XXXX time. 
So please put a stop payment on this check so that no one can misuse the check to get my money since I am not in the country. Also I never gave me the consent to mail out a check to me in the first place. 
I am facing a lot of mental harassment and financial harassment on this account as I never gave my consent to mail out a check for the credit balance. Its regarding my south west credit card ending in XXXX I am a chase customer since 2019. 

Please resolve it at the earliest and give me my Money back. 
Total amount XXXX $ With Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: FL

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, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-06 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: IN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
Hyundai acct XXXX. I turned in daughters lease in XXXX  In XXXX. Probably over a year later my daughter gets random phone call from Hyundai saying we owe over {$2000.00} on that car. No correspondence, no breakdown. I reached out to Hyundai asking for this information. I called several times to arrange for payment plan but each time I called it was like the first time calling. Very frustrating. Mind you I was never late on lease payment and I have excellent credit. At some later point I receive a letter stating a negotiated price of payoff of XXXX. But of course that amount was due in 2 weeks or so which I didnt have. I did send them the XXXX amount but probably 2 months later. I figured it was paid off. Then my credit score takes a hit of over 100 point down because I now have a delinquent charge. I reached out asking for it to be removed but they refuse Its so unfair and such poor business

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

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 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 2024-06-06 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: IN

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
n accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. NATIONAL CREDIT ADJUSTERS LLC. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX 10potentially negative months {$44000.00} Closed Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Open Account Date opened XX/XX/XXXX Open/closed Closed Status - Status updated XXXX XXXX Balance {$44000.00} Balance updated XXXX XXXX, XXXX Credit limit - Monthly payment - Past due amount {$41000.00} Highest balance {$58000.00} Terms - Responsibility Individual Account Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOMEONE CHARGED MY CARD FOR XXXX for a timeshare i never purchased and XXXX for a flight to XXXX XXXX i did not go .they are fraudulant charges please removed thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX Capital One placed a legal hold on 2 of my accounts referencing a Writ of Garnishment from Attorney XXXX XXXX. 
I informed Capital One Customer Service and Bankruptcy Department through numerous employee transfers that I had filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. An automatic stay of all garnishments and credit collections was placed. 
Therefore the XX/XX/XXXX legal hold placed on my accounts was a violation of the Bankruptcy Court Order. 
On XX/XX/XXXX I faxed and emailed the XX/XX/XXXX Bankruptcy Court Order to Capital One 's levies and garnishment department. 
On XX/XX/XXXX Attorney XXXX XXXX ( who filed the writ of garnishment ) completed and faxed a court-filed Dismissal of the Garnishment. 
On XX/XX/XXXX I faxed and emailed Capital One a copy of the Garnishment Dismissal and another copy of the Bankruptcy Court Order. 
Capital One Customer Service Department is not able to verify that the faxes or emails are received or processed. They further refuse to provide a phone number for the Levies and Garnishment department. 
In short, the hold on my 2 accounts is illegal and a violation of the Bankruptcy Court Order. The attorney that requested the Garnishment has confirmed to Capital One that it is an illegal hold and to dismiss it. Capital One has not done so and has not provided any contact information to confirm its processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC closed my account without warning and wouldnt allow me to get funds that were already in the account. I spoke with the executive XXXX XXXX who repeatedly lied saying that she was temporarily keeping my account open and I could go to the bank to get it. However, when I got there, they were saying the account was still showing closed and I couldnt get my funds. The bank lied days before this saying that a check was mailed to me which wasnt true. Prior to this issue, I had went directly to the bank and never was told the account was even closed. They have repeatedly played games, lied, and withheld my money. This is completely unprofessional and I believe its due to racism. The day when I went to the bank after talking to XXXX XXXX they wouldnt release my money and notified the police when I was calmly waiting for them to reach someone. XXXX XXXX never explained the process to me and it shouldve been an easy transaction. XXXX XXXX created issues by lying saying that my account would be temporarily open to find and that I could get my money. I also explained to her about my health and l needed to get my medications and Im going to occur late fees if I dont pay my bills on time. I stated to her that I was waiting for a direct deposit and a credit to my account. Because I wasnt aware of the closing of my account I didnt have time to change or notify them of the closing of my account. I receive SSDI every month on the XXXX. I mentioned to her that I urgently needed these funds due to medical issues, hardship etc they rejected these funds from SSDI even after saying my account was temporarily opened. I was notified by SSDI that they havent even returned the funds. What was told by SSDI that theyre back office has to return the funds because its showing that they received it. If they were closing my account, I shouldve been notified and I shouldve had a check from the funds that were in the account immediately by next day delivery. I mentioned multiple times the urgency but I guess my health, medications, and hardship didnt mean anything to them. XXXX XXXX lies about everything and never made me aware of important information that wouldve prevented my frustrations and anger. Her demeanor is rude and disrespectful that caused me to react. I have no idea how she got the position that she has. Im beyond angry over everything. And they have taken thousands of dollars out of my account for charges that I didnt do and when I notified the bank they said it wasnt any charges with XXXX but that wasnt true. They dont want to give me my money for all the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase close my account and keept my funds and there is no way to recover them, support just give automated answers but I cant access my acount.

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

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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

Complaint narrative:
I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge. 

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account. 

ACCOUNT IN QUESTION : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I requests verification of certain items and is asked to provide physical proof of verification. I requesting a complete credit report and are grateful for the prompt attention and cooperation.

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 2024-06-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-06 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: VA

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year> I have saw that XXXX different lender run my credit report and that I didnt authorize them to do it So under the law code 15 U.S.C 1681 I will like them remove off my account

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 2024-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief