vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, Experian, XXXX and 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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Pulled personal credit reports due to trying to buy a house or even rent. Found Fair credit and Out with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady I spoke with asked for basic information and to verify who I was. She provided me with a username- which was ( XXXX ) and then a pin that was XXXX numbers ( XXXX ). She then stated it was a debt for XXXX Rentals and ends the call. I went online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, some of the information was my personal information but then I noticed addresses that were not mine and have never been mine, along with other mis information like multiple phone numbers not mine. I didnt have an option to even update my information if I had wanted to let alone able to validate the debt. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers I was given as the acct username. Since my kids and myself are homeless I tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the he debt. No charge descriptions beyond XXXX. My call and subsequent login was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone even prior to my call from Fair Credit and Out. This debt on my reports is causing my family to continue being homeless. I did record my phone call on video to ensure I was able to verify info. As well as recorded myself logging in. On XXXX XXXX I attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, I recorded me attempting to login from different devices including computer and it states my account information is incorrect. I check my credit reports and they still show XXXX ( Transunions name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/2023 still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: CO

Complaint narrative:
I found out on XX/XX/23 that my checking account with Money Lion Bank had been closed due to unusual activities. I checked my transaction history and there was nothing unusual. I had approximately {$350.00} in the account with pending bills coming out later in the month. When I contacted the company through chat I was informed it was closed due to unusual activities again, I asked for them to explain what unusual activities. The had no response. I then called the The bank again to speak with someone and Asked what unusual activity they had seen, and asked them To explain it to me. They had No explanation. 
I told them that All of the transactions on the account were normal and that nothing was unusual. The gentleman informed me that if I approve of the transactions, If I submitted my Driver 's license and proof of address they would reopen my account. I submitted the forms, a few minutes later I got another email from them saying my account was closed indefinitely and there was nothing they could do. I called them again And ask if my account was going to be Reopened? They told me no that it was closed indefinitely due to unusual account activity. I ask again what account activity is there something I am not seeing? They said there was nothing they could explain and that the account was closed. I had approximately {$350.00} in the account with pending charges at the end of the month coming up. I have no way to pay these bills now. And no way to recoup the money that was in the account because they told me they would send it to the fund originator and the business I work for It's not set up to take returns on money that they send out for payroll. I feel as though that this bank is predatory. And they took my money with no way for me to pay bills or recoup the money From them I could open another count somewhere else, but how Am I supposed to get the money back from them?

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by Portfolio Recovery Associates , LLC raises legal concerns about its validity. 

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, Portfolio Recovery Associates , LLC may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. 

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

Account Number : # XXXX & # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : -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

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Subject : Complaint Regarding American Express 's Failure to Refund Annual Fee. Business account referencing XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint against American Express regarding their failure to refund the annual fee for my credit card account. Despite multiple attempts and assurances from their customer service representatives, I have not received the promised refund even after the specified time frames have passed, which has exceeded 90 days. The balance owed is {$700.00}. 

On XX/XX/XXXX, I received communication from American Express stating that the annual fee on my credit card account would be automatically refunded. However, after the fee was not refunded as indicated, I reached out to their customer service department. In subsequent conversations, I was informed that the refund process might take up to 90 days to be completed. I patiently waited for this period to elapse before contacting them again. 

On XX/XX/XXXX, after the 90-day waiting period had concluded, I contacted American Express XXXX XXXX about the status of my refund. To my surprise, I was informed that there was no balance on my account that necessitated a refund. This was puzzling as I had clearly been charged the annual fee, and I had received prior communication confirming the refund process. My online account also shows I have a negative balance. 

In an effort to resolve this matter, I contacted American Express 's customer service once more on XXXX. During this conversation, I was informed that the refund would be transferred to another account of mine within 1-2 business days. However, as of the current date, XX/XX/10, the refund has not been credited to my account as promised. 

This ongoing lack of resolution is causing significant frustration and inconvenience. I rely on accurate financial transactions for managing my budget and making informed decisions. The inconsistent and contradictory information provided by American Express 's representatives has eroded my confidence in their commitment to customer satisfaction. It is my belief they are negligently withholding my funds. 

I kindly request your assistance in resolving this matter promptly. I believe that as a consumer, I deserve transparency, accurate information, and timely resolution from financial institutions. I would appreciate your intervention in ensuring that American Express honors their commitment and processes the refund as promised. 

Thank you for your attention to this complaint. I trust that you will investigate this situation thoroughly and help facilitate a resolution. I eagerly await your response and a satisfactory resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous letters to credit bureaus asking for method of verification of items disputed and they have failed to send to me. Your reporting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned disputes. 

XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/2019 {$37000.00} This account is reporting inaccurate information and amount I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate errors. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JTM Capital Management, LLC
State: IL

Complaint narrative:
I have been trying go contact someone from JTM CAPITAL MANAGEMENT , LLC multiple times but have gotten no clear answer. I called back in XXXX to settle the account and get it off my credit report and the representative said that there is no record of the account or where they may have sold the debit to. I advised that the debt and the company is still showing in negatively on my report and that I would like it removed or paid and removed. 

I called again today, XX/XX/ and left a voicemail to speak with somebody. I still have not heard back today. I just wan na get this Collections account settled and off my report please. Again it still showing a balanced due of : {$460.00} and JTM has the collection agency. 
My previous address is:XXXX XXXX XXXX XXXX, XXXX, IL XXXX. May that information will also help. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An Extended Fraud alert was placed on said account. Inquiries that are not attached to an account were unauthorized.I have directly disputed these items with the credit bureaus and was not successful. 

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 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

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 2023-08-09 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: OH

Complaint narrative:
This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}

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 2023-08-09 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are FRAUDULENT items ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXXXXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: DE

Complaint narrative:
I have spoke to Cashapp and put in a dispute for a XXXX charge XXXX {$460.00} where someone used my card and committed fraud! I have a police report, lawyer, and documentation as well!! Cashapp provided my money back and then reversed it. However, you can see the person attempted to charge XXXX XXXX XXXX XXXX. With all of those my money was given back because obviously it was fraud. I do not know who the heck did this and cashapp has made it hard for me to get my money back. I want my money back and I am reporting cashapp to anyone who will listen. I do not play about that much money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd
State: NJ

Complaint narrative:
An account was created with wise on XXXX. The account was deactivated by them due to my age on XXXX. There had been the request of a transfer of money from my account at XXXX XXXX to the account on wise. After the account was deactivated I no longer can access it to cancel it. Today, XXXX {$93.00} were removed from my account even though the account was deactivated XXXX. I have no way to contact them nor to request the money back through the app since I cant log in to request help due to the account being deactivated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with against Chase bank in reference to them restricting my account under case number XXXX. The Banks executive office reached out to me via Email on XXXX XXXX 2023 and stated that i could go into the bank branch to withdraw my funds of XXXX before the documented Closing procedure begins on XX/XX/2023. However, I go into the branch to get my funds and Im told that Chase had in fact closed my account on the day of the letter being sent instead of the documented date thats in my letter. I have been dealing with this entire situation unable to get my funds since XXXX the XXXX I have been homeless because Im stranded and been getting the run a round from them. Now they are saying they closed my account today and that it shouldnt have been closed until the day listed in my letter which is the XXXX, XX/XX/2023. Saying there is nothing they can do and I informed them that I do not live at the address on file and that if they send any check to the address it wont be received and I refuse to have to wait another day for my funds!!! There are notations in my account stating the account isnt to close until the XXXX of XX/XX/2023 and that I can come in and pick up a check with no hassle.

Company response to consumer: Closed with explanation