vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Transactions from XXXX XXXX from XX/XX/24 XX/XX/24 Total of XXXX No action was took and i wasn't reached out apon these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Good Evening, My credit report shows a collection from your agency. I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX  XXXX XXXX  was properly investigated but how is that possible if the open date is inaccurate, payment history is in accurate, the date last active is inaccurate, and date last reported is inaccurate. This ground for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX  XXXX XXXX  was properly investigated but how is that possible if the open date is inaccurate, payment history is in accurate, the date last active is inaccurate, and date last reported is inaccurate. This ground for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> Paid for purchase of 1 Electric Charging Station from XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), Invoice # XXXX never received. With my master card issued by Renasant Bank Transaction Description : XXXX XXXX XXXX. 
The described below is a detailed email and other contacts I have made in attempt to get a refund for the Electric Vehicle charging station that I purchased from XXXX on XX/XX/year> Items not delivered per shipping instruction Exhibit # XXXX XX/XX/year> XXXX requesting request what to do because item not received Exhibit # XXXX XX/XX/year> XXXX XXXX requesting what to do because item not received Exhibit # XXXX XX/XX/year> XXXX XXXX informing Renasant Bank clerk XXXX I havent received Exhibit # XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX requesting return of money for entire order Exhibit # XXXX XX/XX/year> XXXX est Received Notice of Final Determination for Dispute to refund money for XXXX XXXX Chargers Exhibit # XXXX XX/XX/year> Email from Coach Rustin Congratulations UTAH Confirming my purchase of the EV Commercial Exhibit # XXXX XX/XX/year> XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX email stating they received my complaint Exhibit # XXXX XX/XX/year> XXXX XXXX respond to my email stating I have 2 days from today to receive my YGE order Exhibit # XXXX XX/XX/year> XXXX : pm XXXX Requesting a refund for XXXX XXXX XXXX Vehicle Commercial {$4900.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX advertising the exact same EV charging XXXX XXXX XXXX  for {$970.00} at this point I see Fraud activity Exhibit # XXXX XX/XX/year> XXXX am I started my own investigation by contact XXXX XXXX, XXXX  Planner XXXX for XXXX XXXX UT government XXXX He never heard of such an project Exhibit # XXXX XX/XX/year> XXXX, XX/XX/year> XXXX Follow-up investigation Exhibit # XXXX XX/XX/year> XXXX Conclusion of investigation of XXXX XXXX  XXXX Vehicle installation XXXX XXXX XXXX XXXX # XXXX, # XXXX I am requesting that Master Card and Renasant Bank get a refund from XXXX purchase made on XX/XX/year> for Electric Vehicle Commercial for the Amount of {$4900.00}

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 explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
XX/XX/year>, amount XXXX XXXX I was told that they will investigate but I didn't get a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX is a secure credit card is reporting as In collections/Charge off when account status is saying paid. This is in accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing to report Shellpoint Mortgage servicing for providing inaccurate regular monthly payment on their first statement to me since my loan was transferred to them on XX/XX/XXXX. 

Prior to that I was making my mortgage payment to XXXX XXXX. I also want to note that even though I was making my payments to XXXX XXXX, the loan was assigned to XXXX XXXX  XXXX XXXX. 

I am currently in bankruptcy proceedings and in XX/XX/XXXX, XXXX Mortgage XXXX filed for a motion to dismiss the bankruptcy prior to confirmation due to a delinquent amount with XXXX XXXX for {$12.00}, XXXX. 

Per email from my bankruptcy attorney, she informed me that she had a tentative agreement with the counsel for XXXX XXXX  XXXX XXXX that if I got current on the first mortgage payments, that they would withdraw their objection. 

I made the payment to XXXX XXXX for the amount stated by XXXX XXXX  counsel for {$10000.00} ( XX/XX/XXXX to XX/XX/XXXX ) and then also added another {$2100.00} to cover for the XX/XX/XXXX mortgage payment. 

Thus, the next mortgage payment was not due until XX/XX/XXXX. 

I logged on to the XXXX XXXX payment portal on XX/XX/XXXX to make the payment and got this message The loan status does not allow for online payments. Please contact customer service at XXXX to learn about your options. I called the number and this is when I learned that my mortgage had been transferred to Shellpoint Mortgage. 

I immediately shellpoint mortgage and created an online account to make the mortgage payment for XX/XX/XXXX. This is when I found the wrong monthly mortgage payment represented on the mortgage details page. 

I have well documented evidence that I was fully caught up with my mortgage payments with XXXX XXXX XXXX  and I would like for Shellpoint Mortgage to explain how they came up with a regular monthly payment of {$6400.00} instead of {$2100.00}. 

Their co-operation is this matter is highly appreciated. 

Please see attached documents to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I did my taxes on Cashapp  on XX/XX/2024 Cashapp said my refund would be paid into my account in 21 days. This did not happen, Cashapp is asking its customers to do their taxes using Cashapp. With promises of a refund within 21 days. It is now XX/XX/2024 and I still havent received my refund. Cashapp  needs to stop telling customers that their refund will get to them within 21 days, this is not a true statement but instead a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for XXXX, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a XXXX and XXXX  day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a 60 and 90 day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a XXXX and XXXX  day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I have been trying to get this sorted with Moneylion since XXXX  they signed me up for some Credit builder loan and an investment account which I didnt authorize and then when I stopped payment with my bank because of unauthorized charges Al of the sudden I have a collections account when I contacted Moneylion they were not helpful I sent them all the information they asked for and they said they would be in touch and then never contacted me again. So when I disputed this again recently I requested the same thing and they again stopped responding. This has ruined my credit and they have no proof and it keeps changing statuses etc. this company is a scam and they are illegally opening accounts without customers knowledge and then refuse to do anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/year>. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( s ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute : False, Inaccurate, & Unverified Collections on My Credit Report Good Evening, My credit report shows a collection from your agency. I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following :

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