vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
On receiving my consumer report, I notice several accounts reporting inaccuracy with open accounting, collections, late payments, charge off, and installments accounts that I have no full knowledge of. I've written to all three reporting agencies, TransUnion, XXXX, and XXXX. After 47 days it's still no response from these reporting agencies. 

It's why I'm asking the CFPB to conduct an investigation to my complaint. I'm requesting that these reporting agencies provide verification on these inaccurate accounts listed below, or obtain a copy of any judgement, or name and address of the original creditor. To verify accuracy or establish reasonable proof that I am the legal owner of the alleged accounts that's reporting inaccurate information to my consumer report. 

Accordance to the FCRA, these reporting agencies has violated my rights with these inaccuracy reporting to my consumer report. When these agencies must maintain the utmost accuracy, and they have failed to maintain the accuracy, which breaches the mandates of the FCRA. 

I request the CFPB to require these reporting agencies to verify these alleged debts of late payments, change off, collections, and installments accounts, while including forms and conditions or purchases .or installment agreements that will or can validate the maximum accuracy to support why these activities has and is compromising the accurate and integrity to my consumer report. When I never received validation of debts nor notices or any initial communication. 

I request that if these reporting agencies fail to verify any accuracy to these accounts to the FCRA mandates. I wish that these inaccurate accounts be deleted and a update be reflected to their true status. 

These inaccurate accounts has violated my consumer rights. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Under, 15 USCS 1666b ( A ) Time to payments Under, 15 USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

Under, 15 USCS 1681 ( B ) Reasonable Procedure Under, 15 USCS 1681a ( A ) Definitions ; Rules of Construction ( 2 ) Exclusions ( A ) Any ( i ) reporting containing information soley as to transaction or experience between the consumer and the person making the report.

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports.

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 2023-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP
State: NY

Complaint narrative:
I received a solicitation in the mail and online stating I was approved for personal loan. I went to the bank to apply and after a few days I was declined. I would have never applied had I not been told I was already approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/ Balance : {$500.00} They refused to remove the collection and also refused to disupute it unless {$1.00} payment was given from a debit or credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX account was fraudulently made by an unknown person to me using an email of : XXXX and they transferred {$4900.00} into an online acct ending in XXXX ( not associated with me in any way ). I NEVER created an online Acct. with Bank of America. I was just calling the number in the back of the card to see when my XXXX money would be available. Apparently the card was loaded by the XXXX dept. On XX/XX/XXXX. On that same day {$4900.00} was transferred to that unknown acct ending in XXXX. I didnt even call until XX/XX/XXXX ( I was unaware the money had already been stolen ) when there was a discrepancy what the XXXX stated they loaded and what was left on the card was only {$2800.00}. I immediately contacted B of A s fraud dept. Who closed the online login stuff ( that was never me in the XXXX place ) and issued a new card with only the remaining balance of {$2800.00}. They informed me how to make a claim to get the rest ( XXXX ) back. I followed all their steps and faxed the appropriate paperwork to them twice now and I keep getting the same letter stating your claim has been resolved, you or someone you authorized to use your acct verified the transaction prior to the funds being sent as a result your claim has been denied also in the letter it states, I have the right to see the documents that they relied on for the decision when I called demanding those documents they said they can not send them?!?! Im on my XXXX reconsideration letter now. Not sure XXXX ever receive the XXXX money that I have earned and am owed by Bank of America. XXXX started on XX/XX/2023, I went back to work XX/XX/2023 2023

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: MS

Complaint narrative:
i have sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX ABOUT THE INACCURATE AND INCOMPLETE ITEMS BEING REPORTED ON MY CREDIT REPORT AND THEY HAVE NOT CORRECT THE PROBLEM, PER 15 USC 1681 STATES ALL INFORMATION HAS TO BE XXXX XXXX ACCURATE AND COMPLETE WHEN REPORTING, IF NOT HAS TO BE DELETED.I HAVE ATTACH COPIES BELOW

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 2023-06-23 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: KY

Complaint narrative:
In XX/XX/2023 I received a debt collection statement from Levy & Associates. ( attachment 1 ) I responded with a request for more information to verify the debt ( attachment 2 ). On XXXX XXXX I received a packet ( attachment XXXX ) in the mail from Levy & Associates in the mail with two card statements included along with an XXXX consumer Employment and Income report for a XXXX XXXX that includes this persons last XXXX of their social security number and their date of birth. It also included a screen shot for XXXX XXXX showing that XXXX XXXX was setting up direct deposit as well as XXXX XXXX pay check stub. To make matters even more concerning The final page of the packet that Levy and Associates sent me included a photo copy of XXXX XXXX 's photo ID including Drivers license number and full address. 
I have attempted to contact Levy & associates to discuss this extreme error and they would not discuss because I would not confirm my address or my social security number so they disconnected tthe call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I contracted with Home Depot for a General generator and to upgrade my electrical box from XXXX amps to XXXX amps. During the performance of those services they damaged my home. I have been without hot water as a result for XXXX Weeks. Home Depot customer service either hangs up on me when I call or provides no assistance. Their contractor denied liability, their insurance company XXXX mimics XXXX false narrative and denies liability. XXXX, XXXX is attempting to extort m for additional money to fix the damage they caused. I tried disputing the charge on my Home Depot credit card for services not rendered and,, for reasons convenient to Home Depot and XXXX, I am unable to do so and am unable to speak with anyone. New Jersey has a serious problem regulating its contacts. My next contact will be to the media.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
HUNTER WARFIELD is currently reporting on all three major consumer reporting bureaus that I owe their company {$4700.00}. Reporting started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Diner 's club sent me new cards in XXXX and I cut them up and enclosed them with the statement and the new annual fee with a written note to close the account since I had not used the card in over a year. The annual fee was {$130.00} they did not close the account and contiue to charge late fees. Diners Club has continue to call and XXXX me and when I try and return their call they put me on hold - wait XXXX mins then disconnect me. 

This should be a simple transaction- they refuse!! Closing an account to avoid annual fees should be simple and easy but they make it more difficult than a normal person should be subjected too.

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 2023-06-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-23 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a checking account with Chase bank and it had XXXX cash in it because my husband and I are both not working. I asked Chase to STOP sending payments through the account that I had but they kept doing it and then charged me overdraft fees. The total in these fees ending up being in the XXXX of dollars. Everytime I would turn around, there was a charge taken out of my account and then an OD fee! My other bank states insufficient funds and will not let me take anything or pay anything but Chase? No! They keep doing it and doing it all to get the OD fees! I finally asked them to close my account and they didn't do it but kept charging me OD fees. Finally on XX/XX/2023, the closed the account but then the deposited a check into that account. How can you deposit a check into an account that is closed? not only did they deposit the check, but they kept the entire amout which was {$540.00} refund on insurance that we received because of something Biden set up? Not really for sure on that one. At any rate, the check was made out to my ex husband and he did not have a signature on file and the account was closed, so how can they cash this and keep it? It wasn't mine and it wasn't thiers either. They are refusing to do anything and keep telling me that this issue is closed. It isn't closed! I want that money back that was a GOVERNMENT refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Everi Payments Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I visited XXXX XXXX XXXX in XXXX, OK Address XXXX XXXX XXXX XXXX, Ok XXXX I used the Everi ATM machine I entered my debit card and requested a balance inquiry. The " ATM '' machine errored out and prompted me with a message that says, " unable to complete transaction '' We can not process your request at this time. The machine charged me on XX/XX/2023 {$640.00}. XXXX says this was to purchase a gaming ticket, yet I was doing a balance inquiry. When they looked back it said note presented not collectable. I filed a claim to the XXXX, but they told me not to worry that Everi will credit my money back. On the Following day on XX/XX/2023 I was charged again! {$680.00} from the SAME MERCHANT, I did not make another balance inquiry, and I went and spoke to the representative of management and they told me that EVERI WOULD REFUND MY MONEY. I waited a week a nothing happened, waited a couple more weeks nothing happened. So, I called my bank and file a claim on XX/XX/2023 my bank did not credit my account. So now I need you help since your machine stole my money and the casino crew is clueless. Kindly contact me and provide a solution. Everi does not have an easy number for any consumers to contact them. I have tried calling the XXXX number and keep getting told my case will be escalated and nothing happens. This is money I actually need, and I know for certain nothing was dispensed. Even XXXX confirmed to me that they don't see a gaming ticket was presented. That I need to contact Everi so that is what I am doing. Again these were charged to my debit card, no gaming ticket was received. When I contacted XXXX again they told me that they show a gaming ticket was redeemed twice, but they stated that they can see it says printer error and the transaction cancelled. Yet XXXX says they are not responsible and that I need to contact Everi, These charges are both to my account ending in XXXX. Debit card ending in XXXX. I should not be held responsible for something I did not do. Especially when I simply was requesting to check my balance, and WHY WAS I CHARGED TWO TIMES FOR GAMING TICKETS for 1 balance inquiry. That really doesn't make sense especially since I waited at the machine for 15 minutes, and nothing printed. The transaction CANCELLED. Regardless if it was redeemed who redeemed it? It wasn't me and the XXXX confirmed it didn't print.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My wife and I opened a joint account at Citizens on XX/XX/2023. 

As our first deposit we decided on an external transfer from my wife 's bank ( XXXX XXXX XXXX ) for {$1500.00}. The online Citizens account was in my name, and it turns out the bank to be transferred from also needs to be in the online account holder 's name, so the transfer did not go through. Fair enough. This was on XX/XX/XXXX. 

As I write this, we STILL have not been able to get our money either returned to XXXX XXXX XXXX or put into the joint Citizen 's account. We have spent over 15 hours on the phone with Citizen 's reps or waiting. We have heard half explanations, confusing explanations, partial explanations. We have put XXXX  reps on the phone with Citizens reps, TWICE. We were told to submit a claim and that this would surely resolve the issue, absolutely. I called a week later to find out that the claim was denied. And that all we needed to do was get a form from XXXX XXXX XXXXXXXX. Turns out that was wrong too ( We have heard consistently from XXXX that it is Citizens that needs to act ). I am speaking now to another supervisor, who is friendly and well meaning, but clearly not able to help resolve this issue. We were told that after 30 days, the money should be returned to the originating bank. This has also failed to happen. 

Citizens appears to not have any avenue for us to resolve this -- you can only chat or talk to online account reps apparently, there is not email to reach, and no one seems to know definitively how to resolve the issue. 

We simply want our {$1500.00} transferred back into my wife 's account. 

Thank you.

Company response to consumer: Closed with monetary relief