vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$8200.00} ; Inquiries XXXX  XXXX Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-02 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 submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8200.00} ; Inquiries XXXX XXXXXXXX Date XXXX XXXXXXXX  Inquiry Date XXXX XXXX XXXXnquiry Date XX/XX/XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX XXXXXXXX Date XXXX XXXX Inquiry Date XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have requested validation from LVNV as I do not owe a debt that they are reporting to my XXXX report. They do not validate and XXXX does not investigate my dispute. I have also filed a claim with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed my checking account and still holding my Funds from the month of XXXX. I reach several time in chase Branch & talk on the phone with customer support Dont found any helpful Decisions. 
I Got the checks from my friend & Family members I Deposited in my account and they raise the reason they need additional verification from the person you got check issued I took my family members to the Chase Branch first they took there identification or proof of evidence of the individuals or corporations and submit online then they said give 2-3 Buildings Days to get Verified by customer support after 2-3 Days they said ok you get your cashier checks in the mail after tht they send me two cashier checks but then again I reach customer support why I dont received my all funds then they said they need additional verification then I make the appointment with my family friend and took him to the Branch with additional Verification Documents they requested. When I visit branch the same person I met hes very helpful but the Department with whom hes in talk not giving any solution how I am able to get verified in the response they said Bank update the verification Process now Bank only able to Verified the Person only on Phone they just played & Im really frustrated & feeling paralyzed with the chase & at some point feeling to commit suicide with all the problem created by JPMorgan Chase to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX. I opened checking and savings account with Chase bank. 
XXXX. I added an external bank account, this bank account is already added on my two credit cards I have through chase. 
XXXX. When I added external bank account for Checking and Saving accounts micro deposit was done in my external bank which I verified. 
XXXX. After this it allowed me to initiate transferring money from external account on XX/XX/XXXX : XXXX. XXXX to saving account XXXX. XXXX to checking account XXXX. After 1 week or so transaction was rejected. 
XXXX. I was on call almost an hour trying to resolve it, earlier customer service kept redirecting me to different departments and in the process long wait time. 
XXXX. One agent asked me to initiate another transaction which immediately got rejected. 
XXXX. Finally I reached to a supervisor- XXXX, call was around XXXX XXXX  PST on XX/XX/XXXX and should be recorded. He told us a ) that Chase bank can reject transfer b ) He refused to tell us reason for reject. 
c ) He didn't say that we will be informed of the reason. 
d ) Refused to give us any other information or number where we can call and was not helpful. 
XXXX. This is new account and have opted for direct deposit for my salary as well however now I am not sure if I would receive it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: NY

Complaint narrative:
" Upgrade '', the XXXX arm of XXXX XXXX XXXX  won't allow me to access my own account online or through their app, even after providing them with my old phone number, updated phone number, and selfie with personally identifiable information and account identifier handwritten on paper, and scotched taped to my chest in the selfie, as they requested. 
They will only speak with me via telephone regarding my account, but refuse to allow me to access my own account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
Transunion deleted over 75 points for an illegal act from XXXX back in XX/XX/2023. They never restored the credit score points they took from me. And they are the slowest moving credit company I have encountered.

I have read an array of complaints about this company regarding XXXX and brown ppl. Well I am one of those people and I feel like I am being discriminated against, because they took the most points during that XXXX act, and they are the slowest to add points back and if they do add, they give 2 and 3 points, when XXXX and XXXX gives reasonable amounts that makes since.

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 2023-05-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had purchased 2 tickets to a music festival called XXXX on XX/XX/XXXX for a total of {$720.00}. The festival was cancelled as of XX/XX/XXXX and was told to reach out to the point of purchase for a refund. I contacted the ticketing agency, XXXX, who stated that I would need to reach out to the merchant themselves, XXXX XXXX, XXXX. I attempted to email them and contact them by phone number that was provided but have received no response. I reached out to Capital One who stated that because it was past the 60 days, they were unable to move forward with the process. At this point, there have been multiple news articles related to the fraudulent festival and others that have worked with their credit card companies to have funds returned to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX I requested on their website a " Request of payment extension '', but the system took it under " Change of Due date '', I followed the instructions for payment extension that next payment needed to be done between 10 days of due date ( XXXX ) I made payment XX/XX/XXXX, but after that on XX/XX/XXXX I started to get " Late fee charges '' {$15.00} each ( XXXX XXXX ), I contacted them got refunded for " system mistake '', and my account still was showing Overdue of 1 month since XXXX, but they refuse to make the change in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX- XXXX XXXX account # XXXX for XXXX XXXX account # for XXXX XXXX for Transunion XXXX XXXX XXXX- account # XXXX for XXXX account XXXX for XXXX XXXX Transunion # XXXX XXXX XXXX- account for XXXX # XXXX XXXX account # for XXXX XXXX for Transunion XXXX XXXX XXXX account XXXX XXXX for XXXX, account XXXX for XXXX XXXX Transunion XXXX XXXX XXXX  account number for XXXX # XXXX Transunion XXXX XXXX XXXX account XXXX XXXX for XXXX account # XXXX for XXXX for Transunion XXXX Flagship account # for XXXX, for Transunion XXXX XXXX XXXX XXXX account for Transunion XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX for XXXX XXXX account # for Experian XXXX for XXXX XXXX XXXX XXXX- account # XXXX for XXXX account XXXX for Experian XXXX XXXX # XXXX XXXX XXXX account for XXXX # XXXX XXXX account # for Experian XXXX for XXXX XXXX XXXX XXXX account XXXX XXXX for XXXX, account XXXX for Experian XXXX XXXX XXXX XXXX XXXX account number for XXXX # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX for XXXX account # XXXX for Experian for XXXX XXXX XXXX account # for XXXX, for XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello dear CFPB, Im a full time employee and I deposited my paycheck to my checking account at WELLS FARGO bank XX/XX/XXXX, Monday. Today is XX/XX/XXXX, and my funds arent still available. All this time I cant pay my bills and any living expenses. Today is my payment day for WELLS FARGO credit card. I dont have any money to pay this card payment. Im going to miss my payment and they charge me late payment fees. Good business to keep people earned money to earn their own money, isnt it? It breaks UDAPP Act at least. 

Could you please conduct investigation on WELLS FARGO shadow and criminal practices on earning by unlawful holding of their customers deposits. Thank you!

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I have attempted to close this account because I have never received a card or any account information from this company but they keep charging fees to the card I have never received. I have paid my balances in full and they still have not closed at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
InXX/XX/2022 I had filed a dispute with my bank account due to not receiving a product that i had ordered, after having explained that to the initial company I placed an order from they told me that to them it said it was delivered so they wouldn't be able to do anything for me, after contacting the company i contacted the bank and addressed this issue with them i also informed them that i could provide with security footage proof if needed to help my case and asked them to please let me know what they needed from me in order to complete this claim, I was credited the total amount of the purchase which was {$2100.00}, filled out the paperwork needed and then submitted it to the bank, after over 4 months of not hearing anything from the bank or being communicated if anything additional was needed i then got the full amount from my bank account reversed as well as several transactions that were fraudulent were being addressed, I then proceeded to call the bank and ask them for resolution or to open the case back up so ui can submit whatever was missing however they denied me and said they made up their mind and that the company I ordered the product from said they had a signature i then asked for signature proof and they dismissed my request and said they are not able to do anything for me and i had to figure it out with the police, I have been very frustrated because I dont even live anywhere nearby the area in order to do that, not only that i was told by the police department that due to the time that has passed they could not do anything, I have tried my hardest to be patient and as cooperative as possible but no one is helping, i contacted the bank multiple times to address the case and received a call back after being told i would for about a week and was told " we are sending paperwork out thats all were able to do '' not only did i not receive the item i ordered, I also got my money taken out without any form of communication, I simply want my money back because i have bills to pay and a child to feed however they are in no way trying to help or do anything about it.

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 2023-05-02 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: LA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that these items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.

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 2023-05-02 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: LA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that these items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.

Company response to consumer: Closed with explanation