vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-14 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: IN

Complaint narrative:
Ive received a copy of my credit report on XX/XX/XXXX, and to my surprise I noticed that XXXX XXXX CT XXXX has been added back on my Equifax consumer report. I disputed the inaccuracy of this account before and the account was removed on XX/XX/XXXX ( see attached ) so Im confused as to why this item has popped back on my report. Under the FCRA 15 USC 1681i ( 5 ) ( b ), an item can not be reinserted into my credit report without written notice by a credit bureau to me within 5 business days of the reinsertion. 

Ive received NO such letter and would like for this item to be deleted again as this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase purchased my mortgage on the XXXXXXXX XXXX but didn't bother to get insurance information. The insurance was about to expire and I was notified the evening of the date of expiration of the insurance, that they hadn't paid it from escrow. I spent 3 hours rectifying the situation and paying the insurance myself. I decide at that time that I would then escrow myself and pay the taxes and insurance. They never communicated this to escrow as I haven't received a revised mortgage payment nor the return of rescue. They said they paid the taxes after I said I would. I sent them a copy of the the tax bill on line showing it wasn't paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I signed up for text alerts and they dont send alerts. In the middle of the night charge overdraft fees. They charged me so many fees. Because their system is not working.The bank said that alerts were perks and they dont have to. I filed a complaint. No resolution.

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 2023-11-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I booked a trip on XX/XX/ for the amount of {$5200.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they we fully refund your money as per their contract within 90 days. I requested a full refund. Their letters and emails said my refund would come XX/XX/XXXX which i did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some sixty day rule without evaluating my dispute. Thank you in advance for your help.

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 monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
I was sent a medical bill over a year following the service XX/XX/2023 and contacted the company about them billing it improperly. They only billed XXXX of my XXXX insurances and I was told I would be contacted with more info following this. I was then sent to collections with no further information for the amount that was improper. The company that sent me to collections was sterling medical center in XXXX XXXX XXXX. I was never sent another itemized bill either to ensure the proper billing had been completed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/2023 I received an email alert of activity related to my credit from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} from Columbia Debt Recovery posted to my Experion Credit report. I didn't see this alert until the next day XX/XX/2023 when I checked and read my emails. On that same day, XX/XX/2023 I received another email from MyIDCare showing a debt collection for {$38000.00} from Genesis Credit Management LLC posted to my XXXX Credit report. On XX/XX/2023 I received another email from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} posted to my XXXX Credit report. I also received an Account Notification from XXXX of a new account opened in my name by Genesis Credit Management for {$38000.00} on XX/XX/2023. These two companies are connected as a XXXX, neither one has contacted me regarding this collection as required prior to reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid {$50.00} prior to the due date of XX/XX/. After paying online, Capital One confirmed the payment. A few days later, Capital One informed me when I called that my payment did not go through. Capital One never informed on their own that the payment wasnt received. My objection is that Capital One charged me a late fee and reported my payment late. It has affected my credit score. I have never been late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/XXXX or the XXXX of 2023 someone other than my person tried to open up a business account with my Social Security my government name and current address. Id like to state for the record that it was not me they were turned down. I believe they tried to open it online. However, they have entered my correct address, Social Security, and birthday. I will attach a copy of the correspondence that I received from US Bank. I have put a security freeze on my Social Security number with every credit reporting agency and even XXXX XXXX Somehow they still have been able to pull soft and hard 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-14 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: IL

Complaint narrative:
I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Credit Card Applications were filed under my name to a number of different credit cards on or around XX/XX/XXXX. The cards were two Milestone Mastercard Accounts, an Indigo Mastercard, and an XXXX XXXX XXXX XXXX XXXX. I was notified by all cards that my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: GA

Complaint narrative:
Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- -TransUnion -- -- - XXXX 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 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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
I opened Business Checking and Savings accounts with Relay Financial on XX/XX/2023. Over the next week, I made XXXX ACH transfers from accounts held at other financial institutions : XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$5400.00} ( ACH Push ) XXXX : {$100000.00} ( ACH Pull ) the final transfer said it would be complete in XXXX business days. XXXX days later, the transaction completed, and Relay Financial immediately froze my accounts. I replied to an email from their support team on XXXX with the requested bank statement from the bank where the funds originated. 

I received no updates indicating when the accounts would be unfrozen, no information about any interest that would be earned on the funds while frozen, and no consolations or information on how we could pay our outstanding bills. The support team did not answer any of my questions, only providing generic responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX, XX/XX/XXXX I received a wire transfer from XXXX XXXX XXXX which is a company where I sell my invoices to cover my payroll for my business. In the past I have received wires from this same company with no problems. Prior to receiving the wire I had {$4000.00} in my account. Bank of America placed a block on my card and said that I would have to wait until XXXX, XX/XX/XXXX to go into a branch. I went to the branch and was told to provide my XXXX XXXX PAPERWORK as well as my W9. The banker in the branch assisted me. The paperwork was said to be approved ; however, Bank of America then placed a hold on my account to investigate the wire. The banker advised the manager that I had received these wires numerous times. He also requested that BOA allow me access to my existing funds the manager denied access to those funds of {$4000.00}. 
He advocated for me explaining that I was traveling for work and had no money or money to pay for a hotel. They refused and said it would take 24 to 48 hours to remove the block. The next day they closed my account and denied me access to my funds and I am without money for food, hotel or gas.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive requested several times for explanations on their overdraft fee policies over the phone. I was given 2 back and it still occurs weekly

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 monetary relief
Consumer complaint received 2023-11-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On my credit report chase bank had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/ CashApp service goes down and when it came back up and I logged on my account was closed with a broad statement claiming I violated the terms and services agreement. However I had done nothing to warrant the closure or statement. Since then I have tried to appeal the closure and have been getting run around on getting my account opened. It wasn't until I filed a XXXX complaint on XX/XX/XXXX that I finally got some sort of motion with email contact from a representative. However it ended up just being a run around with the same ambiguous statement with no proof of me violating the terms and services agreement and that because they closed my account it can't be reopened. They are blatantly lying. The attached photos was the end result of the email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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