vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to dispute a duplicate charge from XXXX XXXX on my account. Below are the details of the issue : Transaction Date : XX/XX/year> Merchant : XXXX XXXX Issue : During my initial online purchase of {$1200.00}, I received an error message stating that the transaction was not processed and that I needed to call Customer Service. 
Customer Service Interaction : When I contacted XXXX XXXX, the representative informed me that the transaction was denied due to the amount. They advised me to place a new order, assuring me that the initial authorization would fall off within XXXX business days. 
Billing Issue : Contrary to what I was told, the initial charge did not fall off and was actually posted to my account, resulting in XXXX charges for the same purchase. 
I am requesting a chargeback for the duplicate charge, as I was only intending to make XXXX purchase.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
Today, XX/XX/XXXX, I received an email from my credit card company, XXXX. It was the monthly email letting me know that my next payment would be due. I have only been a customer with XXXX for a few months. My first minimum payment was {$25.00}. Then last month 's minimum payment jumped to {$44.00}. And the minimum for next month is {$53.00}. I admit I have used the card rather heavily, but that's no reason for these yoyo-ing payment amounts. They should pick one and stick with it. If they wanted me to pay {$25.00}, all ongoing minimum payments should be {$25.00}, not XXXX or XXXX or whatever arbitrary number they just decide to pick out of thin air.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a case of bank incompetence. I brought to the attention of the bank manager the fact I had been scammed {$9000.00} out of my savings account, and the manager did not follow proper procedures. The occurred XX/XX/2024, at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with bank manager XXXX XXXX XXXX. The scammer was another Chase client like me. I visited another bank branch on XXXX XXXX that stirred me in the right direction, but it was too late. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me different directions on how to try to protect myself, but as I said, it was too late. XXXX XXXX opened up a case for me ; this case number is XXXX. The person who was assigned to my case called me to say Chase was not responsible for the {$9000.00} I lost to the Chase Bank client scammer. This scammer was not appropriately vetted ; he opened his account with a fake ID, number XXXX, number XXXX ; when I visited the bank in XXXX the second time, XXXX XXXX told me there was more than {$9000.00} in the scammer account ; why didn't the bank freeze his account. XXXX XXXX should have called immediately instead ; he told me to get an attorney. When I visited the branch in XXXX XXXX a few days later, the scammer 's account was already in the red, and nothing could be done. Please direct your correspondence to XXXX XXXX XXXX at the XXXX XXXX branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 
Disputed Accounts : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX Account Number : XXXX Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. 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 non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: TX

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. 
Disputed Accounts : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX Account Number : XXXX Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. 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 2025-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax failed to provide adequate documentation and conduct a thorough investigation regarding the fraudulent accounts reported on my credit report. Despite my repeated requests for clarification and evidence supporting the legitimacy of these accounts, they did not deliver the necessary information that would allow me to dispute the entries effectively. Additionally, I possess a deletion letter from a company confirming that the fraudulent account should no longer be reported ; however, this account remains inaccurately listed on my credit report with Equifax. This lack of diligence and responsiveness has negatively impacted my credit standing and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, On XX/XX/XXXX, I submitted a dispute for the below account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have attached the dispute letter. The letter was sent certified mail. Equifax received the letter XX/XX/XXXX. I have attached the postal receipt showing received. On XX/XX/XXXX Equifax deleted the disputed account below as required under confirmation number XXXX. Equifax has now reinstated the same account XX/XX/XXXXXXXX XXXX  months later, without notice as required under FCRA 15 USC 1681i ( a ) XXXX ( b ). I received no reinsertion notification. XXXX Equifax has reinstalled the same account under a different name now, with different dates to try to appear as if it is a new collection, but they put in the comment section that it is a previously disputed account, that is now resolved by the data furnisher. Resolved almost XXXX  months later? By the data furnisher? Then why is it reporting under a different data furnisher? The CFPB has to stop allowing Equifax to continue to play these games with consumers and try to damage their reputations. Even after they have been fined and pending lawsuit they are still trying to harm consumers and not properly vetting the data before placing inaccurate date on consumers files. In which is a violation of 15 USC 1681i ( a ) 6 ( b ) 3. They need to be shutdown CFPB please investigate this, all documents are attached. They are not slick. I am on their XXXX with this XXXX XXXX. If they are stating the furnisher has now addressed the matter then they have now also violated 15 USC 1681i ( a ) 1 because it is well over 30 days. Equifax need to be stopped and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Complaint Against Experian for Failing to Respond to Credit Disputes in a Timely Manner To Whom It May Concern, I am filing this formal complaint against Experian for failing to respond to my credit dispute within the timeframe required by the Fair Credit Reporting Act ( FCRA ). I previously submitted disputes regarding inaccurate information on my credit report, but Experian has failed to provide a proper investigation or response within 30 days, violating my rights under FCRA 611 ( a ) ( 1 ) ( A ). 

Details of My Dispute : Date of First Dispute : XX/XX/year> Method of Dispute : Through the Mail. 
Disputed Items : Inaccurate late payments on my accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my repeated attempts to follow up, Experian has not provided a resolution or adequate response. Under the FCRA, Experian is legally required to : 1.Investigate and respond within 30 days ( or 45 days if additional information is provided ).

2.Delete any disputed information if they fail to verify its accuracy within the required timeframe.

3.Provide a written explanation of the results of their investigation.

Experians failure to comply has caused me financial harm, including denial of credit & increase interest rates. 

Requested Action from the CFPB : I am requesting the CFPB to take the following actions against Experian : 1.Compel Experian to immediately complete the investigation and provide a proper response.

2.Require Experian to remove all disputed items that they failed to verify within the legal timeframe.

3.Hold Experian accountable for violating the FCRA by imposing any necessary regulatory penalties. 

I have attached copies of my dispute letters, proof and any previous responses from Experian. Please review this matter and assist in ensuring Experian complies with federal law. 

I appreciate your prompt attention to this complaint and look forward to your response. 

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 explanation
Consumer complaint received 2025-02-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank granted me a partial refund under XXXX in the amount of {$2100.00} for XXXX fraud out of a total of {$9900.00}. As a recovering XXXX XXXX XXXX patient with XXXX XXXX, I requested the additional {$7800.00} fraud committed by my caregiver for her own use to assist an ailing relative. A temporary credit of {$7800.00} was given by Citibank and then recovered several times. Since I am an XXXX XXXX XXXX individual recovering the the effects of XXXX XXXX XXXXXXXX and XXXX XXXX, how was I expected to be on top of my finances as a much healthier individual would be? I need above average consideration under these circumstances as I have been defrauded by my caregiver who used my check routing number without authorization to purchase services through 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 2025-02-07 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: DE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX this is a XXXX XXXX why is this on my credit report I have disputed this account with all three credit bureaus. 
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX  Phone number ( XXXX XXXX XXXX Review this account per XXXX this account should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are some discrepancies in my inquiries credit reporting from TransUnion and Equifax. I did not inquire nor recall the following. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS ACCURATELY REPORTING XXXX inquiries, however the discrepancy is with TransUnion and equifax they are reporting XXXX plus unidentified inquiries.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Police report proving theft and ID report filed and sent via mail. The company even agreed to errors and theft. Now I have XXXX more unfamiliar accounts from the same company that don't even have details. See attached

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
A XXXX payment was misprocessed from my bank to XXXX XXXX for the amount of {$870.00}. The problem was that the payment went through twice. This caused me to be negative for my bank account. It also caused me to be over the limit with my credit card. This should not have happened. I spoke with several people to try to resolve this issue. I was told that I would get a call by XXXX XXXX after 7 days of an investigation. This did not happen. After XXXX  days, I had to call back to get some sort of response. I was told by XXXX agent that the problem would be fixed. It was not. I had to call back again. When I did that time, I was told that it could not be electronically sent to my bank. It would have to be mailed as a check instead. Because of this, I was dinged on my credit for non-use of my card. This was because I was over my limit. This was due to incompetent employee performance. This was not my fault. I could not use my credit card because of this. 

I was dinged on my credit again for another reason having to do with employment incompetency, and I believe it may have had to do with my balance. The problem is, none of this was my fault. I tried to reach out to resolve this and XXXX XXXX was not very helpful. 

Later, I contacted the XXXX. XXXX XXXX did have a supervisor who reached out to me and declined to fix my credit because they reported it correctly. I have to agree. They did, in fact report it correctly. Addressed was the employment incompetency and misinformation that I was given that led to having to be reported to begin with. None of this necessary reporting was due to any error on my end. 

Ultimately, I would like to see an adjustment in some way shape or form to my credit because I have worked very hard to get my score up from a very low one. 

I believe that XXXX XXXX should hold some accountability for this issue. I understand, however, that they can not lie regarding reporting inaccurately. Their reporting was correct. The employment incompetency that led to it to begin with was utterly disgusting. Please look into this.. I have done much to try to resolve this over several months.

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 2025-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: CA

Complaint narrative:
I purchased a XXXX from XXXX on XX/XX/XXXX, and within an hour I saw a lower price advertised and so I canceled my order. The pre-authorization hold for {$1200.00} is still on hold under pre-authorization status I contacted XXXX XXXX and they said that they released the pre-authorization hold the same day and gave me the time of XXXX XXXX at the time That they released those funds since I canceled my order. I also obtained an authorization ID for the transaction and an authorization code to give to XXXX XXXXXXXX is saying that they will not release the funds without a form from XXXX XXXX directly with their letterhead at the top showing the authorization ID and the transaction code. XXXX I called XXXX XXXX back to get this form they said that theres no such form that they could send to a bank regarding this matter and that the authorization ID and authorization code should be enough for XXXX says since they are unable to verify that the funds have been released and are refusing to take the code from me over the phone and are only willing to obtain this information from a letterhead piece of paper with XXXX XXXX information on it that I have to wait 30 days additional for the transaction to be reversed even though their website says that after XXXX days they would release an pre authorization hold. I want my money. This has been going on for the third week now theres no clear answer from either side, but I feel like this is the banks problem because the bank is the one holding the money with all the information that XXXX XXXX has given me.

Company response to consumer: Closed with explanation