vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian does not reported credit score, please reconsidered and update credit score 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I do not know any of these companies and I did not authorize them or anyone else to use my social security number. These are fraudulent inqiuries

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 2024-05-31 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-31 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mobile deposited a check signed over to me by a relative. The deposit was accepted and placed on a 10 day hold. On the day before the hold was to be lifted I received an alert to contact Chase becausetheyrestrictedmyaccount.. I called and verified the information needed. The check cleared and was made available in my account. I scheduled a withdrawal and when I went to the ATM my card didn't work. I went inside to the teller and was advised to call and have the restrictions lifted. Chase then proceeded to change the terms of the agreement and falsified information about the phone call between the fraud department and myself. I am XXXX and have bills due immediately. The check cleared and now they are saying that they need to contact the issuing company. Which I was told would be done yesterday so I could access the funds today. Now they are saying that the company number registered with their internal system is not responsive and I can't access my funds until they reach the company. I already waited for the 10 day authorization hold and received authorization yet chase won't release my funds to me or unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Money stolen from my checking account. 

Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Regions bank in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have no idea what this is )

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Well it says on my credit report this account was opened in XX/XX/XXXX, of XXXX  and I havent applied for any phones from any phone carrier so someone has compromised my information and I have experienced identity theft an there for Im aware of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AppFolio, Inc.
State: NC

Complaint narrative:
I paid that bill online through AppFolio using my XXXX XXXX XXXX  checking account XXXX which is currently open and has been for 15+ years. I have no other banking instituition. 

I made the payment to XXXX XXXX XXXX for my water bill in the amount of {$16.00} on XX/XX/XXXX. I received a notice from the apartment office stating payment was returned because " account closed ''. I was charged a {$35.00} fee for non-sufficient funds. 

My checking account has never been closed ; I also confirmed with XXXXXXXX XXXX. 

I lived in an apartment complex in XXXX NC in XXXX which also managed their payment through AppFolio... that account is non-active. 
When I go to Appfolio to log in, it still shows I have two accounts available XXXX XXXX XXXXXXXX  ( old ) and XXXX XXXX ( current ) I'm wondering if {$16.00} payment was processed incorrectly and applied to the closed AppFolio account? 

I have emailed Appfolio numerous times with no repsonse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
This is the filling of my complaint to TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per XXXX U.S.C. Area XXXX and XXXX XXXX. Segment XXXX A Part XXXX, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the XXXX  report to support my complaint with the XXXX report number 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 2024-05-31 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: CA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-31 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: CA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally follow up on my previous complaint about mistakes in my credit report and the credit reporting agencies ' subsequent failure to comply with the statutory obligations of the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for investigation, more than XXXX  days have gone without an acceptable conclusion.

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 2024-05-31 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: TX

Complaint narrative:
I am writing to formally follow up on my previous complaint about mistakes in my credit report and the credit reporting agencies ' subsequent failure to comply with the statutory obligations of the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for investigation, more than 30 days have gone without an acceptable conclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I tried to deposit XXXX {$1000.00} checks into my checking account and Chase Bank verified it with the issuing bank and it was verified. However it wasnt in Chases " system '' so they are now threatening to close my account and saying thy cant cancel the checks even though they were never fully deposited anyway because of their " System ''. Now my account is frozen and my money is unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NJ

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Account Number XXXX I just received my credit report, I noticed you are reporting this account incorrectly. This late payment reporting not Only as PAID OR PAYING AS AGREED, but it also shows on my XXXX ACCOUNT, that the following it states that XXXX and XXXX we're paid on time But however when I took a look on my XXXX ACCOUNT it shows that XXXX, XXXX, XXXX, XXXX were paid on time now if you look at my XXXX ACCOUNT its show that I was late XXXX AND XXXX now that's false. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately from my credit report .Please provide me a copy of my new credit report reflecting this account removed upon completing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO.
State: NH

Complaint narrative:
We bought a XXXX used car, only because it was only used as a loaner for XXXX yr. It was sold to us as new. The dealership took a while to get us financing, even though our credit score is XXXX The problem was we were upside down on our other vehicle because we traded to fast. In the meantime, my husband said just give us back our other car, but the dealership refused. We hadn't signed any papers. Then a few weeks later we discovered squeaky brakes, which we believe were not dis- closed to us. we purchased the vehicle in XXXX XXXX, and have returned to the dealer- ship five times for service. We got 5 different answers each time. They did say it wasn't a safety issue, but the brakes will wear out faster. About a month ago we actually had an appointment. After we got there the service desk had cancelled it, and said " we can't get the part ". What? You should have the part ready for a legi- timate appointment. We went to the service dept. at least 5 times from XXXX XXXX. 
They are giving us the runaround. We dealt with XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi bank closed my account around a month ago. I have never done anything wrong on that account and have been a loyal customer for some time. My account was restricted and I began to ask them what the issue is. The only answer I have gotten from security team is that my account was under investigation ( didnt tell me the reason of the investigation ) and that my account will be closed and I can not access the funds that were in my account nor will I receive it when account is closed. Was recently contacted for me to call them just for them to tell me I can deposit money to my account but I can not withdrawal, but my account is closing and I wont have access to whatever funds are in that account which makes ZERO sense. SoFi has had other account holders with similar complaints through XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express XXXX XXXX credit card that expires XX/XX/year>. I found out through a third party that American Express closed my account without telling me. I called them twice, and twice again asked to speak with a supervisor. The supervisors keep repeating the same message over and over. They say they understand my position but are powerless to reopen my account. They tell me to apply for a new account which I don't want to do. My credit score has already dropped because this card was closed. 

I have been a good customer of American Express for XXXX  years. I am retired now but used their card for business travel extensively. I never once had a late payment or any problem with my account. 

American Express sent XXXX email ( attached ) notifying me of their action. I don't accept emails from financial institutions because they are usually fake. ( For example in the past month, I've received XXXX or XXXX emails from XXXX. When I call XXXX, they say XXXX doesn't sent email. ) I am XXXX XXXX XXXX and can not respond to emails about money. 

American Express failed to send me a letter to notify me of their action. ( XXXX XXXX on the other hand, has sent me letters saying I need to use my card with them, which I am happy to do. ) XXXX simple letter from American Express could have resolved this issue.

Company response to consumer: Closed with explanation