vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
In XX/XX/2018 my house was caught in the devastation of the hurricane following this I sustained damage, loss, and significant financial strain. With this situation at hand, I was unable to make my XXXX card payment. I reached out to the card organization and explained that I was affected by a natural disaster. I resumed payments the very next month and have been otherwise consistent throughout the entire 11 yrs I have held this account. What I do not understand is why this specific reporting during this time was not reported as AW to reflect that I was impacted by a natural disaster. I have even reached out and requested goodwill removal only to be met with " We are required to accurately report. '' I believe that the way this mispayment is being reported is misleading and does not in fact hold true to " accurately reporting information. I did some research and there were actually studies conducted by the CFPB outlining how crediting reporting during Hurricane Florence impacted many consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Macy/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion

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 2022-02-24 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: IL

Complaint narrative:
On XX/XX/XXXX, I received a postcard in the mail stating I requested a fraud alert on my Trans Union report. I NEVER requested a fraud alert. I asked XXXX to freeze my credit report but it had nothing to do with fraud. I contacted Trans Union via their website on XX/XX/1922, and XXXX to remove this fraud alert I never authorized or asked for. Each time I get the following error. Were unable to process your request at this time. 

I am going to be looking for an apartment in a week or two so, it is imperative that future landlords be able to check my credit report. Also, one potential creditor has already written to me that they received the alert when they pull my credit. I was declined because of this.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Under personal information, there's an entire paragraph stating that the reason the credit cards haven't been paid is because I'm on XXXX XXXX in The Military, and I'm certainly not in the Military! I take Great Offense to this, because I have the utmost respect for all our soldiers here and overseas, past and present and whoever put that there has no respect for my Country and it's disgraceful, and it wasn't there yesterday I'll tell you that right now and it makes me nervous.

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 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
On Monday XX/XX/XXXX I downloaded the money Mart app which is owned by money Mart and the check cashing store. I downloaded this app onto my phone. I followed the steps and registered as I have never registered or used this check cashing companies app before. The app asked me to provide a debit card or bank account that it could send My payment once this check was cashed. I chose a debit card that is supported and was accepted and approved by the money Mart. You have two options you can add a debit card or you could add your bank routing and account number I did not and have not provided any banking account or routing number for payment. After taking about 3 hours because there was issues with this app it's all the steps took the photos sign the check that everything I was supposed to finally the check was approved in the company said that they cashed the check and sent the payment to the checking account on file. Which is first I thought was odd because I never added a checking account just a debit card. This company sent my money to an account that was not mine. I tried contacting their customer service and every time you would get through the reception was so bad on their ends it seemed like they honestly purposely had loud sounding things like traffic horns honking the sound sounded like it was in a complete loop honestly could tell it was fake. I got a hold of this company 's escalation department and was told I'd be transferred here and there every time they would transfer me the phone call with drop or they would just hang up. I cashed a check for {$360.00} I believe this company stole My money and keep giving me bull XXXX excuses and the runaround about giving me my money back. I've never dealt with such a shady company but I still do not have my money I'm going to file complaint after complain after complaint somewhere until this company gives me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: GA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I hereby ask you to protect American customers and consumers from this fraud-like Organization ( Moneygram ). It is an online money-transferring business. I have submitted the transaction on the XXXX of XXXX in the amount of XXXX XXXX It is quick and small help intended for my XXXX. Although the transaction supposedly takes XXXX days, I have proceeded with the transaction. 
But today is the XXXX of XXXX, and it has been XXXX days since I made the transaction. I have received an email on the XXXX saying that the transaction had been approved after XXXX days, and my mother came and tried to pick it up. However, the teller informed my mother that MoneyGram hadn't released the transaction. It is still pending at the Moneygram system. 
I have filed a complaint on the XXXX around XXXX am, I have never heard back a response. I've contacted Moneygram the following day, on the XXXX of XXXX, and customer service threatened to cancel my transaction without a service fee refund, or I have to wait XXXX more days to solve it. I have no problem canceling the entire transaction. However, I have no desire to pay a fee for these unprofessional scammers. 
I hope CFPB looks into it to protect individuals from the inadequate organization with false promises, terms & conditions, and irresponsible threatening behavior towards consumers & customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX I know the XXXX XXXX industry in XXXX is a front for illegal activity, AMEX knows the XXXX XXXX industry in XXXX is a front for illegal activity, the police know, EVERYONE KNOWS. Even the XXXX drivers know if they have been in the country for XXXX  months. 

But AMEX collected money from someone who was XXXX assaulted in order to pretend it isn't and justify their paperwork. They lied, they hid evidence, they sent me to a mental ward, they destroyed everything my family worked for to blame someone who dared to question the bogus charges documented many times in thousands of their receipts over the years that are artificially inflated to cover the illegal activity of the XXXX trade. All hidden under " entertainment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2022-02-24 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company XXXX DBA Open-End XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that 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 2022-02-24 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company XXXX  DBA Open-End XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent multiple requests to request removal of the attached information from my credit report due to inaccuracy of reporting. Every response received states they have INVESTIGATED and VERIFIED the file as accurate. How is this possible when the consumer is the only one is able to verify this? As stated on my credit report, it shows all 3 credit bureaus reporting different information, not to mention, they never sent proof of how this information was verified, but states that it's accurate. 

I am attaching the latest request sent along with their 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 non-monetary relief
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2022-02-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recieved a settlement check for {$1200.00} from XXXX  XXXX XXXX settlement through XXXX XXXX XXXX XXXX XXXX and deposited it into my account XX/XX/2022 and was told to call the next day to see if I can get it cashed but I was told they needed to verify the check with the bank and the law firm that got the class action lawsuit settlement.I 've called everyday to chase to try to get this resolved, I even called signature bank and XXXX XXXX XXXX legal administrative myself to get this all figured out so the check can get cleared they stated that other people in the class action lawsuit had chase accounts and didnt recieve the problems I had received from chase bank .I have been on the phone with chase bank for 3 weeks on hold for XXXX hours, I've experienced unprofessional service, I've been hung out on 14 times I total, disrespected, humiliated when I do walk in the branch for more assistance, I feel like race is a factor in this situation from seeing other customers get handled differently in the past .I tried to put a stop on the check to get another one reissued but the check has already been cleared its just chase bank holding the check for no reason at this point, my account has been restricted so I cant use funds that I've already had in there before I deposited the check .I missed my anniversary with .y wife for this reason and have got behind on Bill 's as well ..I wan na be composted for the pain and suffering that this situation has caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
In XX/XX/XXXX I filed a dispute with Transunion to have an incorrect item removed. In XX/XX/XXXX the item was removed. However in XX/XX/XXXX the incorrect item was replaced back on my report. Since then I've sent in multiple disputes including supporting documents to have this fraudulent item removed. Still no luck, the credit bureau ( Transunion ) keeps saying that it is accurate. I've contacted the third party/parties which they're saying verified the information & they stated that they have no knowledge of this information. Therefore Transunion is falsely reporting this information & is lying about the verification. This item needs to be removed from my credit report immediately!

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 2022-02-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: NY

Complaint narrative:
Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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