vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
as per the guidance from the consumer financial protection bureau ( cfpb ) the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage which falls under trafficking according to XXXXXXXX final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bal. {$700.00} XXXX XXXX XXXX. {$270.00}

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 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt is reporting as not being paid each month. They literally told me on the phone they would not report negative to my credit report and the payments have come out as automatic withdrawals. The payments have never been late. I have the charges on my account. Theyre inconsistent at best but the derogatory marks need to be fixed late payments need to be fixed and they need to not report if thats what they claim is that they never report under any circumstances!, but to be on automatic withdrawals and and have plenty of money in the bank then report missed payments is obsurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,.. 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,.. 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX Experian 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 2024-09-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I requested a balance transfer from my Wells Fargo Credit card to my XXXX credit card XX/XX/year> to get a better interest rate. The transfer was completed on XX/XX/year> for {$7900.00}. XXXX provided trace # XXXX. However the money was never deposited to the Wells Fargo card. After contacting both banks I found I had accidentally reversed two number on my Wells Fargo Card. I have been back and forth between both banks for almost two months trying to resolve this. Wells Fargo will not move the money over despite the fact that XXXX has successfully transferred it to them and provided a trace number. And XXXX refuses to reverse the transaction so I can submit it correctly. Neither bank is willing to work with me and are both giving me opposite answer to resolve and will not speak to one another either to help me resolve it. So now I am paying on both cards while Wells Fargo sits with this extra money sent to a wrong 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 monetary relief
Consumer complaint received 2024-09-19 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-19 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: WI

Complaint narrative:
I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to obtain my three free credit reports on XXXX. Was able to easily obtain my XXXX nd XXXX reports. It would not allow me to obtain my Equifax report. 

I then signed up for all three websites ( XXXX, XXXX and Equifax ) to freeze my credit reports. I could do this on all sites and see my credit score. However, I then tried to obtain my free credit report on Equifax and it would not provide it. Not sure they are having techinical issues or what?

Tried to call, but could in no way talk to anyone and just get dumped around and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding the non-disclosure of the callable feature on a 12-month Certificate of Deposit ( CD ) I purchased through Merrill Lynch , as facilitated by Bank of America . The lack of disclosure and subsequent misinformation have led to significant confusion and financial loss.

Account Details : - Institution : Merrill Lynch ( facilitated by Bank of America ) - Account Type : 12-Month CD - Interest Rate : 5.55 % - CD Open Date : XX/XX/XXXX - Maturity Date : XX/XX/XXXX - Account Number : XXXX Summary of the Issue : On XX/XX/XXXX, during an appointment with Bank of America, I was guided to open a Merrill Lynch CD. I was instructed to finalize the account setup online. At no point during this appointment or the online account opening process was I informed that this CD was callable, meaning Merrill Lynch could terminate the CD early.

Two weeks ago, I noticed that my CD balance did not reflect the expected 5.55 % interest. When I inquired, Merrill Lynch advised me to wait until the maturity date for the full interest to be applied and did not mention any callable feature. Today, I learned that my CD was called in XX/XX/XXXX, which was the first time I was made aware that the CD could be called before its maturity. 

Impact : The early cancellation of my CD and the misinformation provided have caused the following issues : 1. Loss of Expected Interest : I did not receive the full interest for the 12-month term.

2. Reinvestment Challenges : I am now forced to reinvest my funds, potentially at lower interest rates, due to the unexpected early termination.

3. Misleading Information : I was misled by both
Bank of America and Merrill Lynch regarding the nature of the CD and received conflicting information when I inquired about my 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 explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
XXXX XXXX XXXX is tarnishing my and credit profile by reporting this account without consent. As well as creditworthiness, character, general reputation which also against the FCRA. 
. 
The original creditor, who has violated my consumer rights by failing to abide by the arbitration clause outlined in our alleged contract. If I do owe this alleged debt, I should have been given the opportunity to resolve the matter through binding arbitration, as specified by the contracts terms. 

The original creditor did not initiate or allow arbitration as required, which constitutes a breach of the alleged agreement. Pursuant to XXXX XXXX XXXX, I owe no debt, this company violating my consumer right to privacy pursuant to XXXX XXXX b, company has also no permission to report anything using my info pursuant to XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Thursday, XX/XX/XXXX I deposited my paycheck like I always do through my Chase app. Chase did not release any of the funds as they usually do. The next morning on Friday the XXXX I was calling Chase to find out why and at the same time started receiving text messages regarding fraud. THERE IS NO FRAUD!!! Chase had me locked out of my account!!!!! They have terminated business with me, and would not give me an explanation as to why. I have called Chase at least 15 times begging them to give me my money from my paycheck I deposited. They refuse. They are telling me that XXXX XXXX  ( now XXXX  ) cant confirm the check until the XXXX, which is a lie because I have a printout from XXXX XXXX  ( now XXXX  ) showing the check was cleared. Not only that, when I called the branch in XXXX, it was confirmed by the teller that the check cleared Chase Bank on Saturday, XX/XX/XXXX. The check in question cleared XXXX XXXX  ( now XXXX  ) on Friday the XXXX, and it cleared Chase Bank on Saturday, XX/XX/XXXX. Part of that paycheck was to pay my rent, yet Chase refuses to give me my money. Every day Chase holds my money. I am being billed an additional {$50.00} in late fees. As it stands now, I will not have enough money to pay my rent because of late fees acquired and was told by my landlord I will be receiving an eviction notice. I was left without one single dollar to my name to be able to buy gas to get to work or food.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Morgan Stanley is reporting false information related my closed account # XXXX. At no point, my account had insufficient funds. 


Return Transactions Tran Type Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Check Number Amount {$150.00} {$100.00} Return Reason Insufficient Funds Insufficient Funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MD

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Barefoot Circle XXXX, FL XXXX XXXX To whom it may concern, I wish to place a complaint against Chase Bank. 
On XX/XX/year> I was offered and accepted a job with a company named XXXX. I was informed that they do most, if not all, correspondence by text and email. I was informed that they were sending me a check, {$4500.00} that would be used for office furniture and computer. I received the check the following day. I deposited the check and then followed up the next day with XXXX to verify that they had COLLECTED the funds, as they were showing it on hold. I was informed that they had collected the funds and I asked that they remove the hold, which they did. I then received instructions from XXXX to send a wire to a specific company to finance the equipment purchase. I did this. XXXX has since said that the original check bounced and that I would be held liable, even though they had informed me that they had collected the funds. 
I have proof of all of this and ask that you sanction XXXX and fine them for this practice. I do have proof of all of this. Please also investigate XXXX. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made a purchase online for {$220.00}, while checking out I selected XXXX  but instead it took the whole {$220.00}. I immediately emailed the merchant to cancel my order so that I could repurchase using XXXX. I received no response to my emails so I then disputed the amount with Chase. While disputing, I selected the option that made most sense at the time which was that I was overcharged. Since I selected that reason I had to put the amount I was supposed to be charged which would have been {$55.00} ( the XXXX  portion ). Chase then reimbursed me for {$160.00} but after talking with the merchant who showed proof the total was correct and not an overcharge, they reversed the claim and removed the {$160.00} from my account. So now I have {$220.00} that is taken from my account and I have no product. I called chase multiple times to get my money back but they said they can not reopen a claim as I only have once chance to file it right. I also tried contacting the merchant as they were no help and suggested I take it up with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXXXX/XX/year>

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 2024-09-19 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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