vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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:
I have submitted XXXX FTC identity theft reports to Equifax regarding fraudulent inquiries from XXXX XXXX XXXX XXXX from XXXX of XXXX 

Equifax recysesto remove them despite the fact it is identirt theft. I want the XXXX fraudulent inquiries removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NJ

Complaint narrative:
XXXX XXXX This Information is Incorrect. I never had late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2023-12-21 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: DISCOVER BANK
State: TX

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purppose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
Credit bureaus are reporting a business account to my consumer credit. the name of the company is XXXX. 

Nothing in the contract permits the credit bureaus to report this business account to my consumer report.

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 2023-12-21 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: TX

Complaint narrative:
Credit bureaus are reporting a business account to my consumer credit. the name of the company is XXXX. 

Nothing in the contract permits the credit bureaus to report this business account to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After further review of my credit report I notice, XXXX XXXX is reporting a late fee on my report from XXXX during the pandemic. I have exception payment history with XXXX XXXX XXXX XXXX so to see a late payment being reported is heart breaking. I am asking in good faith for this late payment to be reversed due to the payment being sent in a timely manner. I have contacted XXXX XXXX customer service, and they advised it was nothing can be done, although XXXX was a difficult time for the entire world. I will hate to think a company like XXXX XXXX doesn't care what their clients were going through during a pandemic. I have had this account since XXXX and as of today XX/XX/XXXX, There is only 1 late payment being reported which is negatively impacting my credit report.

15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a text from XXXX saying it was Chase Fraud. It showed two " transactions '' and asked if I authorized them. I said No. Then I got a text asking if I authorized a wire transfer for XXXX. I said no. Then it said a fraud specialist would be contacting me shortly. I received a call and was cynical so they told me to XXXX the number which does come up with " Chase ''. The number is XXXX. 

The person on the other line was very convincing and told me they would help me undo the wire. They sent me text with the following : Case Fraud : Thank you. Your wire transfer of {$19000.00} will be released in the next XXXX minutes, TO PREVENT CANCELLATION OR ERROR PLEASE DO NOT RESUBMIT AGAIN. This is where the scammer had me convinced that if I resubmit it will cancel the existing wire transfer. They made me stay on the line for XXXX minutes. I started to understand that this person was a scammer when they were asking to get into the settings on my phone. And the wire was not being reversed on my account. The wire had a memo with a police report of XXXX allegedly in XXXX, FL. I had my husband get on the line and the scammer hung up. 

I immediately called Chase bank FRAUD department. They had in the meantime sent me an email to ask if I initiated the wire. When I spoke to the rep in FRAUD ( at their number XXXX ) he assured me the wire would not go through. Since I had never done wire before it was flagged and they blocked it while we were on the phone. Today XX/XX/2023 the money is out of my account. So I called the claims department only to learn that there was XXXX wires initiated on XX/XX/2023 and that CHASE did in fact let one wire go through. Why did they let another go through? And they claim it was the first wire that was initiated. They refuse to reverse the funds even though I called and they said they stopped the wire transfer. They refused to escalate to management immediately. I am told to wait for a call and that they will investigate and " TRY '' to recover the money. 

They claim that although they protect my money, this is a mutually responsibility. I trusted CHASE to protect me when we called the FRAUD center and they said we were ok and that no money would be paid out. This is all on a recorded line. They can go back to XX/XX/2023 at XXXXXXXX XXXX to listen to the call!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX This Information is Incorrect. I never had late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX This Information is Incorrect. I never had late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I received a letter about a debt for " damages '' from Slovin and Associates I called to inquire and tell them how XXXX XXXX has failed to provide me itemized recipepts of damages and that I believe it to be frivolous and retaliations and would like to see proof before paying and that I have reached out to XXXX and their other collections company consumer collections multiple times over two years and have only been given a lease and still no proof. 
I was told to email this to them They never responded to me and I was then summoned by the court the next week. 
They still haven't responded to me and now we have to have a court date hopefully they will have some proof for that.

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 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Transferred $ XXXX from a personal checking account at a financial institution ( XXXX XXXX  ) to a savings account at Citizens Access Bank  on XX/XX/2023. Money debited from personal checking account at XXXX XXXX on XX/XX/2023 and listed in " account balance '' of savings account at Citizens Access Bank on XX/XX/2023. On XX/XX/2023, tried to move {$50000.00} from the online version and Citizens Access Bank XXXX app to checking account at XXXX XXXX for downpayment on a large purchase. Unable to move the money as it is not available to be transferred ; tried calling Citizens Access Bank to ask about issues ; told by multiple customer representatives there is a 5-business day hold on it due to security concerns. 
Was asked to review the Deposit Account Agreement by a customer service representative and found the following condition : Five-Day Availability : Funds credited to your account as a result of XXXX debits originated by you with us will generally be made available on the 5th Business Day after the Business Day of your deposit. Asked for an exception as the policy states " generally '' availabe but told it was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
We have previously filed a Complaint with the Consumer Financial Protection Bureau ( Case # XXXX ), in which we outlined how funds were stolen from our checking and savings accounts at Huntington Bank in XXXX of 2023. This morning an individual went to a branch of Huntington Bank and again fraudulently withdrew {$4000.00} from our checking account. This is despite the fact that a note was supposed to be placed on our accounts that all withdrawals should be verified with XXXX pieces of identification and also despite the fact that the individuals who withdrew the funds this morning did not have our new account number, so this number must have been provided to them by an employee at the Huntington branch. 
While we have finally received the {$1900.00} stolen from our Checking account in XXXX of this year, we have still not been reimbursed for the {$1500.00} stolen from our Savings account at the same time, and now an additional {$4000.00} has been stolen from our new checking account. We have been advised that a Huntington District Manager is looking into this matter but we have yet to hear from anyone at Huntington about how this matter will be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I attempted to pay my Chase Credit Card in person at the XXXX XXXX location in XXXX, GA. The woman behind the counter could not process the payment. She stated she didn't know why the payment would not process and referred me to the customer service number. I called the the customer service number and was on hold for 1 hour and 6 minutes before the call was answered. I explained to the rep that the bill was not yet do but I was leaving the country on Saturday XX/XX/XXXX and would be out of the country for a month without the ability to contact the bank. She processed a payment. On Friday morning XX/XX/XXXX, I checked my account to verify the payment was made to my surprise and dismay the on-line said my ACCOUNT WAS CLOSED. I had no notification of why BOTH of my credit cards were closed. I immediately called the customer service number. They said that a letter was in the mail and they had no further information. I then went to the XXXX XXXX XXXX office to speak to a rep in person and get an explanation. She personally called the customer rep number and was advised there was no info to be given, a letter was sent via snail mail. Obviously, I won't get the letter before I left on Saturday, XX/XX/XXXX for my trip out of the country. This closure of two credit cards left me without card to use while I was out of the country. I had one of these cards since XXXX ( 28 years ) without a non payment or any penalties. When I returned I received a form letter telling my accounts were closed but without a reason. I called the company and they could not provide a reason. Because of these closures for no given reason my credit score has dropped XXXX points. I need an explanation. Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: VA

Complaint narrative:
I have a car dealership and I created and account with Relay Financial Technologies Inc, funds were transferred to my account and I tried to wire money to a seller whom I was trying to buy a car from, the funds were returned and the my account has been held since then, they replied my email a couple times asking for more information which I provided but they did not get back to me since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I received a AMEX gift cards from my employer. I find I can't use this card anywhere. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my card in cash/check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
please see attached file

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I am a victim of identity theft and I am attempting to get my credit report which I'm entitled to by law. AmRent refuses to provide my personal information. I need to see if there is any fraudulent information in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
HI MY NAME IS XXXX XXXX, I BECOME A VICTIM OF IDENTITY THEFT. I WAS CHECKING MY CREDIT REPORT AND I NOTICE FEW HARD INQUIRES THAT DOESNT BELONGE TO ME. PLEASE HELP ME TO KEEP MY PERSONAL INFORMATION, AND PLEASE DELET HARD INQUIRES THAT I MENTION BELOW. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation