vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> - I sent notarized letters to XXXX about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my XXXX card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> - I sent notarized letters to XXXX about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my XXXX card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
I placed an order for an air conditioner through an online order to what looked like XXXX, but the charge went to a business called XXXX. When I clicked on any link given, it would do nothing. The tracking info also was completely fake. I never received an air conditioner, but far past the supposed delivery date of XX/XX/2024, I did however receive a pair of paper think ankle socks ( I'm figuring this was done to give a postage tracking number in case people complained ) on XX/XX/2024 from a person I do not know, and address I've never seen or heard of. 
I have complained to Cashapp repeatedly about this issue and three times have been told that the matter is closed and with no information given. 
The charge was on XX/XX/XXXX at XXXX XXXX for {$59.00} through Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be fraudulent activity. 
Please see identity theft report attached XXXX Account ending in XXXX XXXX Account ending in XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report and inaccurate information on my account. This information is fraudulent and not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Back in XX/XX/XXXX, I was a target of a bounced check in my checking account from capital one. A person posed as an employer emailed me from my college email asking if im interested in an internship opportunity. Then when I replied back with my interest, we started communicating through emails regarding the hiring process and steps. The employer told me that theyll send a check from my college for the supplies needed for the internship and when I deposited the check, it became a bounced check and I noticed red flags so I told my bank about the scam. Now currently I have a negative {$2300.00} on my checking account and Ive called my bank multiple times trying to resolved this problem but my account is currently restricted and they told me to email them evidence of me being scammed and theyll respond back to me but its passed 15 days and nothing has changed. Ive called & contacted my bank. The dates Ive called my bank regarding this bounced check scam are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking why they have decided to close my account with them. My bank stated that I have to paid them back the {$2300.00} first before I could receive the rest of the money from my savings account but I told them numerous of times through the phone calls that I was a target of a scam from a bounced check. The bounced check that I deposited even have my colleges name on it indicating that it was from a job from my college. The scammers wanted me to deposit the check and then use the check money to send it to a sales representative who could help me buy the materials I needed for the job and when they started to get persistent and impatient of me sending the full amount of money I started to get suspicious. I have a lot of screenshots of exchange email conversations with the scammers and evidence of the bouncing check. My bank states that if I send them those evidence then they could help me with the negative {$2300.00} but its been weeks and they still have not responded or helped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. 
THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. 
THESE COMPANIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I opened a checking account with chase bank on the XXXXXXXX XXXX  XXXX and deposited a refund check that the US Treasury issued to me from my 2020 stimulus EIP check that I received in late XXXX of this year and they wont release my funds after restricting and closing my account. They say they can't verify the check. I've got a email from the fiscal payment of the US Treasury confirming and verifying the check and that it's issued to me and it also includes Chase 's banks headquarters in XXXX section of the email and I showed this to the people at a local chase branch and contacted the verification line for chase also and neither one helped and didn't assist me with anything and continues to keep my funds that rightfully belong to me. Chase bank also sent me a letter saying that my account was closed and that they would be issuing me a cashier 's check via mail for the remaining funds in my balance just for me to find out that wasn't the case and they have no intention of sending me my funds or releasing my funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2024-08-30 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: Accounts Receivable Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy. 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 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 purpose an is reporting an open account with a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MCS CLAIMS SERVICES, INC
State: NJ

Complaint narrative:
I received a letter from MCS CLAIM SERVICE stating I owe {$250.00} to XXXX XXXX XXXX XXXX. This is incorrect because during the time this service was preformed my address was at XXXX XXXX XXXX, XXXX NJ XXXX. All ambulance service is supplied and paid for by XXXX XXXX for all permanent residents. 
Please correct this error and send me notification when completed.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Last month I was billed on my Chase Sapphire credit card for a XXXX XXXX I made last XXXX. The fee was approximately {$150.00}. This month I checked my balance. Instead of having {$95.00} avaliable I was {$26.00} over my credit limit. 
I called the toll free number and was told That because I was so close to maxing out my card that they applied these fees! I think it's outrageous that they not only did this once, but twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I made a hotel reservation for XXXX at the XXXX XXXX in XXXX. Due to weather we were delayed getting to XXXX. I called XXXX XXXX and advised them that we are late, and wouldnt be arriving until the next day tie to weather, but we are going to be on standby now for a XXXX departing flight from XXXX XXXX We arrived to the airport at XXXX XXXX  and by XXXX XXXX XXXX an email cancelling our stay due to no show. I tried calling and emailing back to no avail, nobody would respond so we didnt board our flight to XXXX XXXX I contacted Chase about the problem and disputed the charge, because I did not cancel the hotel stay, the hotel cancelled the stay on me and I should not have to pay. I provided Chase with a written statement of the events, copies of emails, and call logs. They sided with the merchant, however when I sign into the Chase app today and it shows the dispute open for 70 days now, they are waiting on the merchant review. I called Chase and they said its closed, and they didnt provide documents for siding with the XXXX XXXX XXXX. I can provide call logs upon request, I also provided proof of the flight cancellation and in the email they said they would refund the amount if I provided proof and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I purchased a vehicle thru Carvana and with it I also purchased XXXX XXXX through them. XXXX XXXX  is the XXXX XXXX provider. Paid XXXX for it. The vehicle ended up totaled by my auto insurance, which they paid most of the car off about 7 months ago. Since then, XXXX XXXX website says they received all paperwork except for police report. I then went down to the Police station and paid for a copy of the report, then sent it to XXXX. XXXX XXXX then said the police report is not good enough. The report I gave is the report the police created and charged me to obtain. Also, in the Caravana contract with XXXX XXXX, it states a police report only if XXXX is created. Back and forth I sent the police report, only for XXXXXXXX XXXX to deny it as XXXX, and say they need XXXX. Meanwhile, I have made the payments for 9 months after the accident, and the car is now paid off by me. I paid XXXX for XXXX XXXXXXXX from XXXX XXXX. The Vehicle was totaled, I am due the amount left over after my car insurance made a payment of over XXXX grand to the loan. The amount due to me from XXXX XXXX is in the several thousands. The police report the deny was created by a police officer and obtained by paying a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: NC

Complaint narrative:
I had opened a First Progress Secured Credit Card on XX/XX/XXXX. Since having the card, I have had perfect payment history, as this card is advertised as a " great card for credit rebuilding ''. 
On XX/XX/XXXX I had used the card to make a purchase of {$510.00} ( I had a {$1000.00} limit ). 
On XX/XX/XXXX, I had used to the card to make a purchase of {$79.00}. 
On XX/XX/XXXX, I made a payment to First Progress for the entire outstanding balance of {$590.00}. 
On XX/XX/XXXX, First Progress closed my account. They said they had sent me a letter asking for proof from my bank that I sent my payment ; a letter which I never received. They did not call me from customer service either. 
On XX/XX/XXXX, I had called First Progress Customer Support, to inquire as to why they would suddenly close a " secured credit card '' account without notifying me. Their explanation was that " I didn't reply to their letter within the required period of time ( the letter which I never recieved ), and for " security reasons '', my account was closed. 
When I then inquired about the refund of my {$1000.00} deposit, they informed me that it would be mailed to me. They told me that this process takes up to XXXX weeks!!! I find this totally unacceptable for several reasons : First, this will negatively impact my credit score by lowering my age of credit, as well as 3 years of perfect payment history, Secondly, I no longer have this {$1000.00} of credit available, Third, taking XXXX weeks to refund my deposit seems almost " criminal '' to me, as I know that First Progress will be keeping my security deposit in an interest bearing account and making money and profit off me in an underhanded manner ; I asked for them to expedite the repayment of my security deposit and as told that I would have to contact their " back office '' as ask for them to expedite my repayment, however they did not guarantee in any decrease in this XXXX week wait for my refund. 
Lastly, this is going to negatively effect my credit by lowering my age of credit, available credit and overall payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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