vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was in XXXX and XXXX XXXX from XX/XX/2024 to XX/XX/2024. Attached is a flight receipt and screenshot of my flight ticket. I called to file a dispute for this transaction ( {$100.00} - transaction name XXXX XXXX during a layover from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was on leisure vacation in XXXXXXXX XXXX XXXXXXXX, XXXX, a lovely city that is known for credit cardfraud where I did not haveconsistent cell phone service. I admittedly didn't pay close attention to my transactions, the majority of which occurredon card terminal. 

When I was on layover from XXXX XXXX XXXX, I did a reconciliation of all charges and noticed this unrecognized charge. At this point of realization, I immediately called Chase fraud. The Chase dispute team noted that other charges were flagged on my account that they blocked from clearing. We walked through these transactions, one of which included another P2P payment and a hotel transaction for a hotel I did not stay at ( XXXX XXXX ). Following this call, the fraud representative noted that they'd immediately have my credit card ending in XXXX cancelled and would send a replacement ending in XXXX to my New York address. Because I was in transit to XXXX when the card was closed, I asked if I was allowed to continue using my Chase Sapphire card ( both physical card and wallet ) in the meantime. The Chase employee said yes for digital wallet payments, because my XXXX XXXX digital wallet would automatically update with my new card information. I then proceeded to use XXXX XXXX in the States and in XXXX XXXX. Chase did not send a replacement card until XX/XX/XXXX. When I returned to the United States on XX/XX/XXXX, I activated the new card. 

Two months later on XX/XX/2024, I was told that Chase determined that it " did not seem like fraud '' because I continued to use my card. I hope the detail above clarifies ( 1 ) that there were clearly other questionable transactions that the Chase team effectively caught, ( 2 ) it look me a few days to notice the erroneous charge ( and I'm shocked Chase didn't ), and ( 3 ) I was instructed that I could continue to use my card until it closed upon successful delivery of the replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: OH

Complaint narrative:
On XXXX/2024 XXXX nonpublic consumer information to XXXX, XXXX, and Transunion. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1

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 2024-04-12 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: OH

Complaint narrative:
On XX/XX/2024 XXXX nonpublic consumer information to XXXX, Equifax, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have used PayPal for years without issue, but I made the mistake of trusting that Venmo was a safe platform where individuals were vetted and sellers were subjected to the typical XXXX  requirements used by banks. I paid for a product over Venmo which I later learned is not protected from scam or fraud because the payments are person to person payments. I was scammed out of XXXX by a person on Venmo who promptly closed her account. Neither my bank nor Venmo ( PayPal ) will refund the money. If Venmo is making fees from transactions and are unwilling to prevent fraud, investigate and prosecute scammers, and facilitate refunds, then they are basically allowing and helping criminals scam people out of money. Venmo should be just as diligent and responsible as PayPal in protecting the people who use their services. Otherwise they are complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: PA

Complaint narrative:
The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX  send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX  ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX  ) and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL 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 explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice i have fraudulent accounts on my report. Please remove them, 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 2024-04-12 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: TX

Complaint narrative:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I write to follow up on Complaints XXXX of XX/XX/XXXX and XXXX of XX/XX/XXXX. Barclays responded to such complaints yet the issue of an overcharge on my account remains unresolved since early XX/XX/XXXX when I first contacted Barclays about such overcharge. Barclays ' measures have been temporary, reversed, and temporarily reinstated. Thus, the issue still remains unresolved. In addition to the documentation I have already provided Barclays more than once, I am willing to coordinate a conference call between the merchant and Barclays if that will help Barclays conclude its investigation or request any further specific documents it may so require. I am eager to conclude this matter and close my account with Barclays. 

I have called Barclays yet one number included in its last letter of XX/XX/XXXX is a wrong number and no person answers the " direct line '' provided in such letter. I have left messages and await a response. 

The time it is taking to resolve this matter is extraordinary.

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 2024-04-12 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: PA

Complaint narrative:
The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX XXXX and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL 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 2024-04-12 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:
The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX  send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX  ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX  ) and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a check by mail to XXXX XXXX XXXX XXXX department for a service I received. I sent a check form my bussiness account XXXX XXXXXXXX for the amount of {$1800.00} pay to the order of City of XXXX XXXX department XXXX. 
2 month later the city of XXXX send me a letter asking again for the payment I told them I mailed the check # XXXX on XXXX XXXX so they will look for that in their statements. 
2 months later they sned me agan the bill so I called them and They asked me for a n image of the check. I went to the wellsfargo office to requested an image they provided the image and I emailed back to the city of XXXX. 2 month later they asked me for a prove that the founds were withdraw from my account so agin went to Wells fagro where they printed an image of the check front and back and the informationabout when this check was deposited or cashed out the information is capture source XXXX paid on XXXX amount {$1800.00} I provided this information to the XXXX of XXXX but on XX/XX/XXXX they told me the y looked for the deposit and tehy cnat find it and they noticed that in the back on the check there is no endorsement so meaining that check cant be paid. but wells fargo withdraw the money form my account and now Wells fargo says tehy cna help me because the time frame to complain is only 30 days. I expalined the reason why took me too lomg to complain but they dont care, besides that I can not understand why they paid a check which doesnt have any endorsement? On This day XX/XX/XXXX Wells fargo called me to let me know that thay cna do anything because the claim was not made in the first 30 days ( I explained the reasons ) so I ask Whoi cashed the check they told me the check was deposit using an ATM but they dont know to which account was credit, so they know when, where was the deposit but they don t know to who? 
I requested the money back but they dont want to help me at all. 
attavhed are copies of the documents

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 2024-04-12 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:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX account # XXXX opened XX/XX/2023 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX account # XXXX opened XX/XX/2023 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX sued me for a very old debt that was apart of a class action lawsuit with Santander. The debt was past the statute of limitations and I was not served or given proper notice that I was being sued. 

They have started to garnish my wages due to this illegally suing me for old debt and debt that was forgiven in a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In late XXXX of XXXX, I applied for a mortgage home loan and they notified me off an outstanding balance that was affecting my credit score. After they sent me this information I went on XXXX and disputed this debt collection. I contacted the debt collection agency and asked them to send me what they had in this debt and also explained to them a judgment by a XXXX XXXX XXXX XXXX in this case that ultimately concluded that they were attempting to collect the wrong amount. They asked me to send them the judgment paperwork. I obliged as well as they sent me the information I requested. I called the debt collectors firm and spoke to the firm and was asked to send then the judgment as well. I obliged. They them stated they would be contacting me back after their superiors looked at the facts and decided what was going to happen. To date they have not contacted me back and when I contact them I get the forms debt collector 's voicemail where I always leave a voicemail for him to contact me back. To date, the forms representative, XXXX XXXX XXXX, has not contacted me back. The facts of this matter are that XXXX XXXX, previously XXXX XXXX XXXX, filed a lawsuit for unpaid rent against me and the case was heard, evidence was presented and the Judge 's ruling was I only had to pay their court costs of {$220.00}. This occurred in XXXX of XXXX. They are saying I owe them over {$5000.00} dollars for unpaid rent. I contacted the XXXX XXXX XXXX XXXX court clerk and they sent me the judgment papers and I forwarded them to everyone involved ; including the property manager of this apartment complex. To date it is still in my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights.

15 U.S.C 1681 Section 602 A. I have the rights 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

Company response to consumer: Closed with explanation