vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX They have violated my rights. 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 information is inaccurate.

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 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not releasing my direct deposit sent from my employer. The money shouldve been deposited on ( todays date ) and I need it to feed my children. BOA is blaming it on other institutions as the reason and this unacceptable.

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 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase account was blocked for no reason, I need to recover my dollars. 
My account had XXXX Dollars, in terms of amounts in various crypto currencies. Among which are XXXX, XXXX, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been suspended from getting SSI because Capital One keep showing that I have {$210.00} in an account and Life insurance policy for {$540.00} even throw my account has been close since 2021. I have called headquarters and call the branch that I had the account open with and still have been given the run around. As I am typing this complaint I have been on hold for 1 hour and 10 minutes with the XXXX XXXX Capital One branch on XXXX XXXX XXXX, I am holding on to see how long they are gon na let me hold on because they don't want to make the effort to help. I can't appeal my resources with SSI without getting the required information form Capital One to prove that I do not have a account with them or a life insurance policy with them. At this point I am reaching out to anyone that might be able to help me with this matter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
My Current Credit Card was lost from my wallet and a charge for XXXX XXXXXXXX showed up on my account. This is a secured credit card that is directly linked to your bank account and everytime it is used, money is pulled from the checking account to cover the cost of any charges. 

When I saw this charge, I disputed it on XX/XX/2023 and it was denied on XX/XX/2023. They said they closed because they found no error. This is unacceptable. 

They did the same thing to me earlier this year when there was {$120.00} XXXX charge. I don't have XXXX and even showed proof that I don't but denied my dispute. 

The bank is called Current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: IL

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-11-03 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: IL

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
We have requested from Cedar Financial a list of all of the client consumer debts that we provided to hem to collect, but they refuse to do so. Even worse, XXXX XXXX of the company keeps gaslighting and provoking me with constant nonsensical allegations not to communicate with her or to include others of my choosing on our email correspondence, even though these are my debts being collected and I can choose whomever XXXX XXXXXXXX I want to include. In the latest fiasco this women refuses to provide us with a list of our debtors so that we can give it to our bankruptcy lawyer for our upcoming law firm XXXX XXXX bankruptcy case, something which we desperately need and require to turn over to the bankruptcy court and trustee. Instead she responds with one-liners, incomplete lists, or no responses at all. Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MN

Complaint narrative:
( Update ) Very alarming behaviour by Chime. Reffering to previous complaint. 

This is not a duplicate complaint. 

I am rquesting more documentation. The CFPB has approved me to open an additional complaint and request documentation. Chime has failed yet to provide any solid documentation they say is " compelling '' I am requesting this compelling information from Chime and the merchant XXXX. In the previous complaint with the XXXX XXXX XXXX  as well as the CFPB I did request this information. I believe chime to be misleading. Also misleading government agencies as well as consumers. I am asking Chime to re-open my case ( Update XXXX    ) I thank the CFPB for allowing me to add this additional information. 

Chime sent some documentation that is very alarming and I believe alarming to any consumer or government agency. They sent 3 documents to my E- Mail.

1 Intake. This is just me discussing the case.

2 Intake. It's just a picture of the back if my I.D .

3 Intake This is the most alarming of all. They blacked out information!. They blacked out the case number. They blacked out the merchant response. Blacked out merchant REF, ARN and Control number. 

This is just unbelievable. They don't even have the name of the merchant. Chime did no investigation. I believe they are commiting fraud and purposely not refunding customers on any dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03 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: Klarna AB
State: MA

Complaint narrative:
They told me that due to errors with retailer and me requesting and sending FTC COMPLAINTS they decided to minimize my credit in retaliation for protecting my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX Account open has different dates Acccount last open has different dates

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 2023-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: North Shore Equities, Inc.
State: NY

Complaint narrative:
My vehicle was repossessed by XXXXXXXX XXXX XXXX and i was sent a letter saying the car was sold for {$1500.00} with a $ XXXX {$11000.00} deficiency balance.. As of today the car is relisted on their website for saleXXXX XXXX XXXX XXXX XXXX Above is the link to the car i had that was repossessed. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX Above is my registration info for the car. Is it legal for them to try and receive a deficiency balance when they legally didn't sell it for {$1500.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MECHANICS BANK
State: IL

Complaint narrative:
XX/XX/23 My wife and I decided to sell our car because we are downsizing. Since the vehicle had extremely low mileage and was worth a lot of money, we decided to sell our car to XXXX. We still had a loan with Mechanics Bank, so the deal was that XXXX would pay off the loan at the time of the sale. We sold our car on XX/XX/XXXX and received our direct deposit on the XXXX. So bluntly, on XX/XX/XXXX we officially did not own the vehicle. At the time of the deal, the representative at XXXX advised us to make our upcoming car payment ( due on the XXXX ) to avoid any delay in paperwork processing. The representative assured us that we would be reimbursed for this payment. So fast forward to XXXX ; when we called Mechanics Bank on XX/XX/XXXX, they informed us that we would receive a reimbursement check by XX/XX/XXXX. So, on XX/XX/XXXX, we called Mechanics Bank and told them we had not received our reimbursement check. The Mechanics Bank representative told us they would have to check with another department and they would call us back. So, on XX/XX/XXXX, we called back, and they told us, after looking at the data, that we were not due any reimbursement. We were in total shock and complained. They told us that the group of supervisors decided that the lien was not officially released until after our payment date of the XXXX. We feel like we were lied to and actually feel like Mechanics Bank stole our money. The money amounts to {$450.00}, which is not significant to most people, but it is the principle of the matter. We simply will never consider doing business with Mechanics Bank again. They stole our money and spit in our faces, telling us tough luck. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
THIS INVOLVES JP MORGAN CHASE BRANCH IN XXXX, XXXX. OUR BUSINESS ACCOUNT IN THE NAME OF XXXXXXXX XXXX XXXXXXXX, XXXX. WHICH HAS BEEN OPEN FOR XXXX  YEARS WAS SUDDENLY FROZEN WHICH CAUSED PAYROLL CHECKS AND SUPPLIER CHECKS TO BE RETURNED. 
THE EXPLANATION WE WERE GIVEN WAS THAT CHASE NEEDED THE DRIVERS LICENSE AND SOCIAL SECURITY CARD OF XXXX ON OUR INACTIVE OWNERS. WE TOLD THEM THAT HE COULD PROVIDE THE DRIVERS LICENSE BUT THE OWNER WHO IS XXXX YEARS OLD NO LONGER HAD A SOCIAL SECURITY CARD BECAUSE IT WAS IN HIS WALLET WHICH WAS STOLEN SEVERAL YEARS AGO. WE ASKED IF ANOTHER FORM OF ID COULD BE USED INSTEAD AND WE WERE TOLD THAT THEY WOULD LOOK INTO IT. WE NEVER HEARD BACK AND OUR ACCOUNT WAS FROZEN ON XX/XX/XXXX CAUSING HARDSHIP TO OUR EMPLOYEES AND AS WELL AS OUR REPUTATION WITH SUPPLIERS WHOSE CHECKS WERE RETURNED. WHEN WE TRIED TO WORK WITH THE BRANCH MANAGER EXPLAINING THAT OUR BUSINESS WAS AT RISK, SHE SIMPLY STATED THEY NEED THE SOCIAL SECURITY CARD AND NO OTHER DOCUMENT WOULD WORK AND THAT A NEW CARD COULD BE APPLIED AND WOULD BE AVAILABLE WITHIN A COUPLE OF WEEKS. WE EVEN HAD OUR ATTORNEY GET ON THE PHONE AND STATE THAT A NOTARIZED AFFIDAVIT COULD BE PROVIDED THAT WOULD ATTEST TO THIS OWNERS SOCIAL SECURITY NUMBER OR ANY OTHER DOCUMENT ( IE TAX RETURN ). THE BRANCH MANAGER SAID NO THAT YOUR ACCOUNT REMAINS FROZEN. AT GREAT EXPENSE AND EMBARRASSMENT WE HAD TO FIND A NEW BANK AND NOW START TO ESTABLISH A NEW RELATIONSHIP AFTER XXXX  YEARS WITH CHASE. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
XXXX credit card servicing has violated the Consumer Legal Remedies Act, the False Advertising Law, Business & Professions Code 17500, and the Unfair Competition Law, Business & Professions Code 17200. Payment was made XXXX XXXX but failed to report account as paid but instead marked me late. Additionally, I have the right to privacy according to 15 U.S.C 1681 section 602 A. Moreover, 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. Also, 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 information is inaccurate. I have tried to dispute this account with XXXX over 20 times and they have yet to change the late mark for XX/XX/XXXX on my credit reporting. Remove any late or negative remarks for account. As you can see by the impeccable payment history there is in deed a mistake made by credit servicing team and failed to provide accurate reporting data after 20 times trying to fix the issue.

Company response to consumer: Closed with explanation