vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: FL

Complaint narrative:
" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

- High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, ' while the second report lists a high balance of " {$14000.00}. ' This inconsistency raises concerns about the accuracy of the reported information.

- Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$9300.00}, ' while the second report lists the balance as " {$14000.00}. ' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance.

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NM

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.

The letters are stated with items and issues.

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 seven 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 2023-06-20 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: NM

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.

The letters are stated with items and issues.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I mobile deposited two work checks on my checking account number XXXX. The rst check was from XXXX for {$580.00} and the second check was from XXXX for {$1000.00}. I waited XXXX work days for the checks to go thru and after that time I checked my account on Chase XXXX and the money wasn't available still. I waited a couple more days, checked back again and all I had was the {$200.00} I had to deposit when I opened my account. 10 days passed and my paycheck was still unavailable. i went to the branch in XXXX, XXXX XXXX XXXX XXXX when would my money be available and they told me the checks hadn't gone thru. I went back to my bosses house and gave him the information I had just received at the branch, and he told me the checks went thru, and showed me the conrmation receipts of the money being transferred from his account. I went back to the branch with the conrmation papers that XXXX boss gave me and the workers tell me the checks never got deposited into my account, that my boss had the money. I came home and I decided to contact Chase customer service and they tell me that actually my account got closed due to fraudulent activity. The only activity on my account was the initial {$200.00} deposit and the mobile deposit of those two checks from my work.On XX/XX/2023 I received a letter from Chase in the mail, with a {$200.00} cashier 's check addressed in my name saying " We closed your account and attached a check for the remaining balance. '' I have been sick the past two weeks and lost my voice, so today on XX/XX/2023 as I was feeling better, I call the complaint department of chase ( XXXX ) and ask them for the rest of my money. I explain the situation and the worker says the checks got deposited into my account but he couldn't do nothing about it and had to transfer me to the Chase 's fraud department. As he did so, I start talking with the specialist and he starts by telling me the checks never went thru, when the worker had just told me they did. And as I'm explaining this to him, he corrects himself and tells me that he needs to verify the checks rst, more than 30 days after they got deposited. I get a little upset with the situation and asked why havent they verify the checks earlier, and he tells me I had to tell him to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Experian Information Solutions 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.

The letters are stated with items and issues.

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 seven 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 2023-06-19 00:00:00
Product: Credit card or prepaid 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
There was a charge made by XXXX XXXX XXXX XXXX XXXXXXXX out of XXXX, VA for {$2700.00} on my Ollo card and when I attempted to dispute this as fraudulent XXXX XXXX is still refusing to return the funds. I contacted XXXX XXXX XXXX  and Ollo and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope XXXX XXXX will be able to resolve this huge amount made 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 2023-06-19 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: PR

Complaint narrative:
I downloaded my Trans Union Credit report on XXXX and in accordance with the Fair Credit Reporting act. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account name : XXXX XXXX, Account number : XXXX According to TransUnion this account was opened on XX/XX/XXXX it doesn't state the year. This account was charged off on XXXX & {$9200.00} was written off. They state that the account was closed on XX/XX/XXXX however the last payment posted was on XX/XX/XXXX. 30 days late was reported on XX/XX/XXXX and according to the payment history there was no balance and/or past due balance reported until XX/XX/XXXX up to date. See Attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off was {$5100.00} TransUnion states that the last payment was on XX/XX/XXXX, it was closed on XX/XX/XXXX & written of on XX/XX/XXXX however there was no balance and/or past due balance reported from account closure until XX/XX/XXXX up to date. See Atached Credit Report. 

XXXX. Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} was written off. How is it that according to your records the last payment was made on XXXX the account was closed on XX/XX/XXXX and according to your history the rating was ok from XX/XX/XXXX - XX/XX/XXXX and in XX/XX/XXXX you started reporting a 30 day late report. The dates and information provided don't match See Attached Credit Report. 


This misinformation is hurting 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 2023-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as XXXX of my friends from high school and created a XXXX post. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXX mobile app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX XXXX built a sunroom that did not meet the drawings or promises made by the salesperson in my room. The room they built is not insulated as I was promised, it is not waterproof ( leaked first storm ) and continues to leak ; the tar is dripping down onto the flooring I installed. 
And the tar is dripping down outside. The foundation is now revealed due to bad placement of drain. I had foundation inspectors to review the foundation. They stated it was sloppy foundational work and poor drainage layout. The room is burning hot in the summer and freezing cold in the winter. The heating and cooling unit they put in the room causes sky high energy bills due to non-insulated room. I was promised an insulated and energy-saving addition to my home for over $ XXXX. It is not worth {$4200.00}. Since XXXX XXXX was paid by Greensky immediately, they had no reason to come back and fix their work or be held accountable. I am a XXXX and very distraught. I feel like bulldozing this structure dow. I do not want this to happen to any other person. And when I contacted a lawyer, they told it was useless. I stopped paying some time back. I They did a bait and switch. Again, no accountability. They keep sending me the same marketing XXXX in the mail and I shred it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/, I spoke with XXXX from Ally Financial. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow Ally to repossess the vechicle. I knew with allowing Ally to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to covid and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called Ally back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX  on my vehicle and knew there could be a payoff request I could make. Ally offered to drop the amount to {$9300.00} and once payment was received by Ally, Ally agreed to settled the account. Ally also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from Ally dated XX/XX/XXXX XXXX XXXX which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. Ally received my payment as promised and failed to comply with their agreement. Due to Ally failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from Ally. I have made several attempts to resolve this matter with Ally but to no avail has it been rectified. Ally received payment as promise once we agreed to settle.

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 2023-06-19 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: Experian Information Solutions 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.

The letters are stated with items and issues.

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 seven 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 explanation
Consumer complaint received 2023-06-19 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: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 SANTANDER CONSUMER USA  Inquired on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: FL

Complaint narrative:
I mailed certified letters to Equifax and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, both on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. Both bureaus refused to adhere to the law and refused to o all that they could in that moment, to protect me, the consumers rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In XX/XX/XXXX I purchased XXXX XXXX from XXXX. In the ad it says " 0 % '' interest for 24 months. Received my first statement and there were charges on the account that were not mine. Eventually they were removed but interest was being charged. I called Goldman Sachs many many times, no one had a clue as to why. Was finally told that interest was being charged on the sales tax. I was never told that and it clearly states in the purchase that it would be 24 months 0 % interest. There are XXXX different amounts on each statement, which I was told by apple and goldman sachs that one was for the sales tax and the other towards the phones. There has been XXXX payments since I started and not only am I still paying interest but the balance due is more than it should be. I have written to XXXX XXXX XXXX XXXX XXXX at XXXX back XXXX XX/XX/XXXX and heard from someone at her office but she had no clue what was going on. I wrote again XXXX XXXX to XXXX XXXX and explained in detail about payments, interest etc, but as of this date, XX/XX/XXXX I have heard nothing. I think its fraudulent to advertise something that they do not do. Plus to have to owe more than should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: VA

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 XXXX XXXX is and 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 2023-06-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a violation of 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 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 seven 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