vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2022 I submitted the request through Transunion 's online option to remove the fraud alert. I provided a copy of my driver 's license and a copy of a recent utility bill. I tried accessing my account on XX/XX/2022 and received a suspended message. As of today XX/XX/2022, it has still not be removed. I tried to access my account online and it shows my account has been suspended ; therefore, I do not have access to any of my information. This morning, XX/XX/2022, I called and spoke with XXXX  ( ID # XXXX ), she told me she could not assist with resetting my online account or removing the fraud alert and suggested I speak with the Fraud dept. I was transferred to XXXX, who stated I should be able to do it online. I stressed to her that I can't even access my account right now. She said it shows that I have access to my account and continued to tell me how to do it online. I let her that I can not access my account online and can not make any changes/updates. XXXX insists I should be able to do it myself online. I then demanded the removal of the fraud alert immediately. For starters, the phone number provided in the alert is incorrect. I have no affiliation to the number listed for lenders to call and so that I can begin applying to lenders w/o this being an issue. She said she couldn't remove it and provided an " escalated fraud '' telephone number for me to call XXXX for assistance. This number takes me back to the main line where I received the run around again. 

I've attached a copy of the webpage I see when I attempt to login that the representatives from Transunion claim is not there and the email I received on XX/XX/2022 when I first tried to access my account.

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 2022-11-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Had 7 transactions totaling {$300.00} from XXXX that I did not make or authorize. Contacted JPMorgan Chase Bank to file fraud claims on the transactions. Chase is denying the fraud claims stating they have no authority over XXXX fraud claims, even though I have to go through my Chase app to use XXXX! XXXX claims they have no authority over the transactions and that Chase denied my fraudulent claims. Chase says there were no log in errors before the money was transferred so the transactions were valid. I have just lost {$300.00} and JPMorgan Chase Bank nor XXXX will do anything about it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
I asked for these unauthorized hard inquiries to be removed from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UBS BANK USA
State: DC

Complaint narrative:
We had a brokerage account with UBS. Our financial advisors moved to XXXX XXXX and we moved our accounts there. The UBS account included a XXXX which we canceled over the phone. UBS is dunning us for the annual fee even though we canceled the card and were promised that the fee would be reversed at the time we canceled. My most recent call to UBS was today, and I asked for an address to file a written complaint with UBS and was told that they could not give me an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
These inquires aren't correct, and I would like for them to be deleted off my credit 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
This auto loan is in error, as my Wife passed away on Tuesday, XX/XX/2022 I am disputing the entire amount of {$3800.00} USD. I further claim extreme Hardship for XXXX & XXXX of 2022 as the Death of my Wife, XXXX XXXX XXXX XXXX XXXX, resulted in a loss of her income ; {$1000.00} USD from Social Security Administration. 
The auto title is a joint title ; I Need my Late wife 's name removed in order for the SC XXXX to register this vehicle in my name only ALL attempts at communicant to reach a solution have utterly Failed. There is now an undue & unfair burden of {$3800.00}, I am utterly & totally confused as how to provide a copy of my Wife 's Death certificate to this company I firmly & fully believe that I am being deliberately targeted by the company as a punishment _ an illegal punishment per ADA antidiscrimination laws Again, ALL my attempts to reach a resolution have utterly Failed

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for the apple card on XX/XX/2022 using a referral link my friend sent me for {$75.00} daily cash after making your first purchase. On XX/XX/2022 I made my first purchase on the card. On XX/XX/2022 I got the daily cash for the purchase, but I did not get the {$75.00} daily cash that was promised through the link. I contacted Goldman Sachs, and the representative informed me that the refer a friend promotion expired on XX/XX/2022, however there is no mention of this through the link which is still active on XXXX 's website, and I was not aware of the expiration of the promotion. The link is apple.co/refer. It is still active without any mention of an expiration date or any indication that it is no longer valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
These inquires aren't correct, and I would like for them to be deleted off my credit 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
These inquires aren't correct, and I would like for them to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A business credit card was applied for in my name while I have a fraud alert on it. An inquiry was placed on my credit and i want it removed. Spoke with Bank of America for over an hour and they refuse to remove it, even though I have a fraud alert and freeze on my account.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my cell phone was stolen. I was using Revolut as my banking servicer. There were charges that were made on the device before it was wiped after reporting it stolen. I attempted to dispute these transactions as fraud to Revolut. The " security team '' at revolut confirmed access to my accounts from another device and stated it was compromised. However before the security team even finished securing my accounts the " chargeback team '' had already claimed to resolve the dispute stating no fraud activity. Completely against the information that was provided to me by the security team. I requested that the case be properly investigated and Revolut informed me multiple times that the chargback was rejected by them and they would not investigate. After multiple times attempting to get them to review the information and screen shots of the conversations with their own security team. They still refused and stated they will not do anything one a resolution was made final. The timing of the quick response and rejection of the dispute as well as the results of the dispute being provided WHILE my account was locked down by the security team who had me reset my passwords and made sure to secure my account, shows that Revolut ignored the regulations to fully investigate the reported dispute in good faith. They refused to re open the dispute and use the information provided to them by their own security team, and based on the evidence provided a result knowingly and willfully when such a conclusion could not have reasonably have been drawn. I spoke with another representative regarding a request to receive all of the dispute documentation including the investigation notes from the security team showing unauthorized activity on my account. The representative informed me that they only provide the results to the dispute and that when a dispute is final there is no way for them to make any changes. I also requested clarification as to why the dispute team did not use the information about my account compromise. I was not provided any avenue to get clarification. This again is against the banking regulations requiring documentation at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I asked for these unauthorized hard inquiries to be removed from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
My account from XXXX XXXX XXXX was terminated because I ordered a replacement for phones that I didnt receive cause the truth they was being stolen from my front door so that ended up me calling to tell them I didnt received the phone when they terminate my account I had a balance of XXXX that I owed including the phones that I never received was like XXXX and now they send me a letter saying I have to pay them XXXX when its not right and Im not in the United States right now because some family problem my mom is sick and Im taking care of her

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I called XX/XX/2022 to have some false information taken off of my report and this company refuses to remove these inaccurate closed accounts and inquiries from my report. I am also currently taking action for a lawsuit

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, I opted to close my Secured Credit Card from Elan Financial Services. On that date, a letter was given to me, of which I received two weeks late. The letter states that Elan Financial will not produce my real cash value until an additional billing cycle passed, but where I need a cashiers check for my funds. Even though I have not done such things like any cash advances nor international transactions nor returned payments. My credit card was fully paid from my checking account. On XX/XX/XXXX, made a complaint with the CFPB about this lack of logical rational on withholding. Then on XX/XX/XXXX, a letter was given to me by the CEO which only was the subject of having agreed to the terms of conditions, but of which the CEO did not respond to the subject of lack of logic and unfair withholding. Now it is XX/XX/XXXX, and after all the wrongs, there is still no cashiers check mailed to my home address. I demand an immediate payment or there will be legal consequences.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I have contacted transition and XXXX and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. Transition and XXXX need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.

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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Commencing on or around XX/XX/2019, I fell victim to a multi-layered scam operation orchestrated by Fake XXXX  support which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc. account to the fraudster.

Company response to consumer: Closed with explanation