vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a cashiers check from a seemingly legitimate buyer of my guitar which I had online for sale. The cashiers check was written for {$1600.00} over the asking price. The buyer ( apparently elderly, XXXX XXXX said his son accidentally wrote the check for the guitar and the moving fee ( apparently XXXX was moving ). 

I e-deposited the cashiers check ( {$3500.00} ) to my Chase checking account on XX/XX/2023. 

I did XXXX the excess money ( {$1600.00} ) to the mover. 

Shortly after that, I came to my senses and suspected this may be a scam. 

I contacted XXXX and Chase immediately. I actually contacted Chase at least 3x on XX/XX/XXXX and XX/XX/XXXX. I explained my concern. The first rep told me that as soon as the XXXX transaction shows up on my Chase account, I can call them to have them reverse it, before XXXX the next day. The next day, in the XXXX, I saw that the XXXX transaction appeared as pending in my Chase account. The cashiers check cleared at that point.

I called Chase again - two different reps assured me that the cashiers check was cleared, and XXXX of the Chase reps assured me that that meant it was legitimate and that the funds have been transferred from the bank on the check ( XXXX XXXX XXXX XXXX ) to my account. I explained that I was still in the window of time to reverse the XXXX transaction, but the Chase rep conveyed to me that the cashiers check was legitimate. I even contacted XXXX XXXX XXXX XXXX to see if they could help verify the check- they said they dont do that unless youre a business inquiring. 

I have spent countless hours contacting ( or trying to contact ) XXXX, XXXX, local police department ( XXXX XXXX, IL, with whom I filed a report ), FBI online site, FTC, Illinois attorney general office, US Postal Service investigation division, and other resources. I essentially have been told that there is no way they will catch the perpetrator ( they dont have the resources to investigate or whatever ). 

I have been a client of Chase for at least XXXX decades and have been in good standing. For this reason and for because the Chase reps provided me assurance that the cashiers check was legitimate, during a window of time that I could have reversed the XXXX transaction, I asked that they please credit my account with the {$1600.00}. They just provided me with a boilerplate, generic response and to ask XXXX to help me. XXXX says that Chase and law enforcement should help me. They all just pass the buck to XXXX another, like a hot potato.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

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 2023-08-15 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: AL

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-08-15 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: AL

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$35000.00}

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am an XXXXXXXX and received XXXX gift cards from XXXX XXXX XXXX as a gift for being on their XXXX XXXX XXXX. 

They sent me one {$50.00} gift card in XX/XX/XXXX and another {$50.00} gift card in XX/XX/XXXX. 

The gift card numbers are as follows : XXXX XXXX I have attempted to use both cards to purchase school supplies for the new school year on XXXX, XXXX ( a local TX grocery store ), XXXX, and my school district website, and both cards do not work at any of these locations ( online or in person ) that I actually shop at. As per the AMEX website 's directions, all of the online merchants I attempted required me to enter the Card number, expiration and security code, but they still didn't work. 

I checked the balance of both cards at https : //balance.amexgiftcard.com/ # /help  and both cards have the full amount I was gifted. I called the " Help '' number twice XXXX and received no help. The call center workers both gave the same answer : I can not use the gift cards at XXXX or the other stores I tried because of fraud protection, those merchants are unauthorized. I asked why would commonly used stores like XXXX, XXXX, and XXXX be considered unauthorized merchants, and the workers said that is what their system says and they can not help me further. I asked if I could have a physical gift card instead of the eGift card ( in hopes that a physical card would work better ), and they said they can not give me anything. I asked if they could " unblock '' the merchants that I frequently shop at since I am verifying that it is myself and not a thief who is trying to use the cards I was gifted, and they said they can not. I asked how they CAN help me to use the {$100.00} worth of gift cards that I have, and the man said to try another merchant, but he wouldn't give me a list of approved merchants AMEX eGift cards allows and doesn't block. 

I'm extremely frustrated because I can not use this very much needed money to buy things I need for XXXX XXXX and it's just sitting in my email - useless. I feel cheated and scammed and I want access to the funds I was gifted without having to jump through so many hoops.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/2023, I opened a new checking account and savings account at PNC Bank. 

On XX/XX/2023, I initiated an online external transfer using PNC Online Banking to transfer {$1100.00} into the new checking account from my previous XXXX XXXX Checking account. The website showed that the account was set up and ready to go, and that I needed to add funds to the account. 

On XX/XX/2023, the {$1100.00} was withdrawn from/cleared my XXXX Checking Account. 

On XX/XX/2023, the remaining funds were withdrawn in-person at a XXXX XXXX location , and the accounts were closed. 

On XX/XX/2023, I was notified via email that the original {$1100.00} transfer to PNC had failed due to my new checking account being put on hold pending identification verification. 

I was informed by PNC customer service reps that external transfers could not be completed until the ID verification took place, which was not stated anywhere on the website. The representatives informed me the funds from the failed transfer were going to be returned to XXXX XXXX and I needed to work with XXXX Bank to resolve the issue. 

On XX/XX/2023, XXXX XXXX  confirmed the funds tried to return to the closed Chase account, but the bank did not accept this as the account was closed and automatically sent the funds back to PNC Bank on XX/XX/2023. XXXX XXXX  informed me I would have to work directly with PNC to get this resolved. 

On XX/XX/2023, I was assigned a case manager with PNC Bank and informed they would be doing an investigation that would take 10-15 business days to complete. I received no further updates. 

On XX/XX/XXXX, I called the PNC case manager who had not gotten back to me, and he informed me the investigation was not started because it was determined it was XXXX XXXX XXXX responsibility to figure this out. 

On XX/XX/XXXX, I spoke again with XXXX- who again stated this was out of their hands and no additional activity had been seen since they sent the money back to PNC on XX/XX/XXXX. They provided the trace ID for that. 

On XX/XX/XXXX, I got assigned a new case manager at PNC Bank and provided the trace ID for them to look into it. Sounded like it wasn't going to go anywhere, they were alluding that it was XXXX 's responsibility, again, but that they would look into it. 

As of XX/XX/XXXX, I have not heard back and have been unable to get ahold of the case manager.

It's now been over one month, and neither bank can find the money and it has never shown up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us Auto Sales has been a terrible company from the beginning. Turning off our vehicle through gps even when we paid on time or told them when we would be able to pay. All new and old information given to Us Auto Sales including new job, new pay dates due to my job being bought out by new owners. Or new car insurance company were never reported or documented. Now with Us Auto Sales going out of business in XXXX. They failed to inform us of who is taking over our loan. I then finally stumbled across an email in late XXXX, XXXX only with the details of my car. I only paid my bill once for {$200.00}. Next bill I received was over {$2000.00}, I then called and emailed WestLake Portfolio Management because this is who owns the contract now. I asked them where did this balance come from an extra {$780.00} versus {$200.00} not even a month later. They in turn told me they would call or email me back in XXXX business days. Never received a call or message. I didn't pay a month of a car note. No one in their right mind wouldn't pay a bill that didn't make any sense. Next thing I know my car is repossed. I obtained a lawyer but I am unaware of what to do now. They double charged me for crazy things like paying my bill and looking at my billing statement. Please help me figure out this. I want my truck back that is already mine I'm just paying for a warranty now that is non existent. I want my money back and my truck. This is unfair.

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 2023-08-15 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX & XXXX ) ( XXXXXXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX & XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX & XXXX ), has violated my rights .

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-08-15 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( 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, has violated my rights .

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-08-15 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: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this account ASAP.

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 2023-08-15 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: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE WROTE EQUIFAX XXXX TIMES ABOUT REPORTING A FRAUDULENT INACCURATE CLOSED CREDIT CARD ON MY CREDIT REPORT FILE. 
THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY REPORT ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this account ASAP.

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