vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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:
For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XX/XX/2016 I was the regional property XXXX for apartments in XXXX XXXX XXXX  ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.

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 2023-02-23 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:
For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XXXX 2016 I was the regional property manager for apartments in XXXX KY. XXXX ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years  plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Netspend Corporation
State: DC

Complaint narrative:
My account was closed on XX/XX/2023. Due to 3 opened disputes I was told that they would send the money to me in the form of a check if any money was returned back to me. The total amount ended up being {$390.00}. I was told to expect a check in the mail from 7 to 10 business days. Then on Sunday XX/XX/2023 I received it. I then promptly submitted it for mobile deposit to my current bank. Because the next day XX/XX/XXXX was a bank holiday I had to wait for approval of the submission of the check until the XXXX. However on the XXXX it was rejected due to inability to verify the check. I was advised to call my bank to verify its authenticity and I was told by an agent that they could not and would not do that. I asked for any kind of verification but I was still refused.

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 2023-02-23 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: NJ

Complaint narrative:
Attached is a screenshot and letter that I recently sent to XXXX and Experian. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done XXXX and Experian would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.

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 2023-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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 XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OK

Complaint narrative:
Almost 3 years ago now my account was hacked and drained of over {$30000.00}. Once empty. The crook then filed disputes on dozens of charges including legitimate ones I made to attempt to get more money. They agreed and gave the crook more money by check and closed the account. The crook was then arrested for cashing the check. I found out when the check cashers called me to verify some info. It took me weeks to regain access to my account and attempted to file disputes for everything that was done. I've called hundreds of times and it's never the same information. Some people would tell me! y dispute had been filed, others would say I can't dispute certain charges because the crook already had. Then after a year of calling was told they were automatically closing because the account was closed and that they would need to reopen to file the disputes. Then I'm told that someone from the " back office '' would reach out to me within 48 hours. I've never gotten one email. They have told me this over 30 times. They tell me the only way to proceed is to wait for the email that never arrives. I've called the corporate office and they direct me to the same phone number. I filed another ticket requesting information on how to start the arbitration process because they require arbitration and I'm told someone will email me. Never does. I had a refund processed to my credit card from XXXX XXXX and I've called to ask where my refund is and I'm told to email. Nobody replies. I'm beyond fed up and someone there needs to address the fact that my savings was stolen by two people now. One who was arrested, the other, Chime who has no competent staff that understands the severity their lack of support brings. One of the transactions the crook disputes was a transfer I made to my new bank for {$10000.00}. When they took back that from my new bank, they closed my account and labeled me a fraudster and I can't open an account anywhere because chime has not acted on anything and fixed their error. I've called hundreds of times spending over 400 hours on the phone over the past two years wasting the one thing money can't buy and that is my time. I've sent police report after police report and they do nothing to return my funds. My business and life have been tremendously affected due to their failure to protect my account. I've not been able to order inventory and have had times I couldn't even put food on the table for days. I'm not rich and can not just walk away from over {$30000.00}. This is my third complaint because the last complaint wasn't even addressed in their response. If my money is not returned I will be arbitrating but I can't even get them to tell me how I'm supposed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writing as an employee of a XXXX XXXX XXXX company in XXXX XXXX called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XXXX of XXXX I put ten checks into a USPS mailbox to send payment to suppliers. The checks were stolen from the mailbox and taken to XXXX XXXX and XXXX  XXXX XXXX branches where they were cashed fraudulently. Of the ten checks, nine of them had not been altered in any way, one had been altered to include a name that does not belong to the intended recipient. All ten checks cleared our checking account being distributed as cash to criminals by XXXX XXXX and XXXX XXXX XXXX, summing up to {$170000.00}. 

Our bank, JP Morgan Chase, has instructed me to file claims with them for each of these ten checks. In each of these claims I have provided photos of the fraudulently cleared checks, affidavits signed and notarized by the intended recipient that they did not receive the checks or funds, a Postal Inspection Services Claim ( XXXX ) # XXXX, and a XXXX XXXX Police Department Commercial Crimes Section ( XXXX ) Criminal Report # XXXX. 

The employees of our bank JP Morgan have been very vague and have promised that the stolen funds would be returned to us within 90 days. This has not been that case. We are going on ten months without having received our funds back. This missing {$170000.00} has caused major cash flow issues with XXXX XXXX XXXX XXXX  business, has hurt longstanding relationships with our suppliers, and now our very own bank JP Morgan this week is threatening to downgrade our credit worthiness. 

The bank that has given away our operating cash for more than 10 months is now questioning our credit worthiness. This is criminal. 

We received letters from Chase dated XX/XX/XXXX stating that XXXX XXXX and XXXX XXXX XXXX have accepted responsibility for repaying these funds and that it may take up to ninety days to resolve. We have since received letters from Chase dated XX/XX/XXXX stating that they have not yet received a response from XXXX XXXX and XXXX  XXXX XXXX regarding repayment, reiterating " as we explained when we opened your claim, the depositing bank is responsible for repayment ... if at 90 days after that date your claim has been submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered '' This is criminal. The service we have received from Chase has been shockingly casual. All three banks need to be held responsible for what they have done. Please see attached supporting documents and let me know what can be done. Your help with this is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: GA

Complaint narrative:
This is my 3rd 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 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

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 2023-02-23 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: NV

Complaint narrative:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 2023-02-23 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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

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 2023-02-23 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: NJ

Complaint narrative:
Attached is a screenshot and letter that I recently sent to Transunion and XXXX. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done Transunion and XXXX would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WELLS FARGO ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had financed furniture with Ashley Furniture XXXX Synchrony Bank, with a promotional finance term of 0 % interest for 12 months. After expiration of the promotion ( XX/XX/2023 ) ; bank charged me almost {$4000.00} interest on my remaining {$6700.00} ( approx. ) balance. This is absurd as i was not aware of the term " Deferred Interest Rate '' which would apply to the original finance amount, not the balance remaining. I tried calling them to negotiate it and have had requested to pay off the entire balance all in once, but they are not budging at all and being firm on the interest rate. This puts me in a off balance financial situation where i am nothing but obligated to pay this absurd amount. 
Please assist.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
after opening a new checking account on XX/XX/XXXX for the first time with capital one i now find out that the security alerts ( texts/email ) for debit card transactions, withdrawels, deposits, CC transactions, low balance, direcrt deposit, large purchase and other security featues were disabled by Capital One on XX/XX/XXXX and not offered any more. this is absolutely a major violation of their security platform because you have no way of knowing if someone has taken your money or stole your CC and debit card info and is making charges on them. customer service said to logging into your account several times a day to check.???????? 
The capital one website even states : " Fend off banking fraud before it starts with Real-time alerts Keep tabs on your money with customized Capital One fraud alerts. Set up alerts for certain types of account activity, plus get alerts if we see something that needs a second look. Enhanced transactions : Stay aware when it comes to suspicious transactions. If a purchase doesnt seem right, get more details and dispute the transaction. '' if i can not get this feature setup on my account then i may be closing it but that is a hassel in itself. they already sent me a debit card in the mail. 
capital one is being very secretive about this and did not advise me about these security features not being available when i was starting my account and allowing me the option of canceling my account during setup process. 
is this legal???

Company response to consumer: Closed with explanation