vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
I purchased a truck, utilizing XXXX XXXX XXXX  for the loan/ Lien.XXXX XXXX XXXX notified me they had not received a payment as of XX/XX/XXXX. I sent a payment via KeyBank bill pay XXXX XXXX In the amounts of XXXX $ I Input the correct address. ( I was out of state and when I returned home started contacting key bank ) XX/XX/XXXX spoke with dispute specialist XXXX. She stated the payments were sent. I called XXXX XXXX, with XXXX XXXX XXXX merged the phone call with KeyBank, and he was given permission by me to search the routing number, as the funds were not received at XXXX XXXX. XXXX found that the funds were routed to XXXX XXXX XXXX  XXXX. We relayed this information to XXXX. Multiple calls were made between KeyBank and XXXXXXXX XXXX XXXX After a week, on XX/XX/XXXX with no satisfactory responses, I filed a letter of complaint to my bank branch KeyBank XXXX and XXXX XXXX XXXX. it was received by XXXX XXXX, and subsequently the VP branch manager XXXX XXXX. As they were giving me a month for response, I went home and called key bank HQ. Spoke toXXXX in dispute dept. She ended up transferring me to XXXX in fraud hotline. She forwarded me to XXXX in case analysis OA. She stated she would call me back after lunch. I received a call at XXXX XXXX  from XXXX. I was told that XXXX and XXXX found the funds in the returns area. With XXXX on merge call and my husband listening in, they told me ( my most recent payment on XX/XX/XXXX ) would be at XXXX XXXX tomorrow, and the other 2 payments would be there in 2 business days. I got another call from XXXX XX/XX/XXXX that he received the XXXX payment, but not the ones from XXXX or XXXX. I called key bank yet again, and liters after hours of phone transfers and waiting, started at about XXXX, was directed to speak with XXXX , but she was in back to back meetings and would call later. 4 hours later and many holds and transfers, XXXX got on the phone, and stated she would NOT get back to me any time soon, and that this case was escalated to the top tier. UNACCEPTABLE. The payments are over 3 months in arrears, I am in danger of repo, and credit decline. I have lost wages due to all the runn around and empty promises. I was told it was resolved a week ago, and now more waiting. Today is XX/XX/XXXX at XXXX XXXX. Please help. I spoke to 16 KeyBank employees and went through the verbiage with all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I deposited my check to my PayPal account on XX/XX/year>. After fees, the deposit amount was {$130.00}. I then transferred it to my bank account on XX/XX/year>. After fees, the transfer amount was {$120.00}. I accidentally transferred it to the wrong account. The account I transferred it to is one that I no longer have access to. I don't remember the card number or really any information pertaining to this particular card. All I wanted to do was have the money sent back to my Paypal account. When I spoke to PayPal to ask them if that can be done they told me I would have to contact the card issuer. I don't even know the card issuer because I don't know any of the information on this card. PayPal told me to call XXXX XXXX  Bank, because that is the card issuer. When I called them they said that without the full 16 digits of the card number there's nothing they can do to look my transaction up or help me. So I called PayPal back to try to get the full card number and they said that due to privacy issues they can not give me that information. The only information I can see is the last XXXX digits of the card, the expiration date, and the billing address. Evidently that is not enough information for Green Dot to look up the transaction. PayPal also emailed me on XX/XX/XXXX with a reference number and stated that I could give that to the bank and they would be able to look the transaction up but upon calling Green Dot they informed me that there's nothing they can do with that number. I have called customer service for both Green Dot and PayPal both on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX.and several times each on every one of those days. I just want the money sent back to PayPal, but it seems nobody can help me. I've been dealing with this issue for going on 3 weeks now and I'm tired of being told by everyone I talk to that there's nothing they can do to help me and to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-23 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX XXXX CORPORATE HACKERS AND IMPOSTERS HAVE STOLEN {$1600.00} FROM ME SINCE XX/XX/year> BY XXXX  XXXX XXXX XXXX CREDIT CARDS BY STEALING MY SOCIAL SECURITY #, CHANGING MY NAME TO FAKE NAMES AND POSTING XXXX FAKE XXXX  XXXX CREDIT CARD ACCOUNTS ON CREDIT BUREAUS, SEE EXPERIAN REPORT ATTACHED. XXXX XXXX DID NOT POST {$1600.00} CREDITS PRIOR TO CLOSE XX/XX/year> ON BOTH CREDIT CARDS IS FRAUD AND IRS FRAUD. MY NAME IS NOT XXXX XXXX OR XXXX OR ANY OTHER FAKE NAMES. EXPERIAN IS CORRUPT AND ALLOWS CRIMINAL ACTIVITY BY IMPOSTERS AND CORPORATE HACKERS. 
EXPERIAN IS TO BLOCK BOTH XXXX XXXX CREDIT CARDS, POST ALL XXXX  XXXX XXXX CAR PAYMENTS, DELETE ALL SOFT INQUIRIES, i HAVE A 7 YEAR FRADU ALERT, PERM. SECURITY FREEZE AND OPT OUT, NONE OF THESE INQUIRIES ARE PERMISSABLE & NO COURT ORDER 7 ILLEGAL=CREATES MORE FRAUD= FCRA VIOLATIONS, AND INCREASE MY CREDIT SCORE. 
XXXX XXXX IS A FAKE NAME ON CREDIT REPORT. 
FTC IDENTITY THEFT REPORT, # XXXX XXXX POLICE REPORT IDENTITY THEFT & FRAUD SCHEMES AGAINST XXXX  XXXX. 
block FCRA UNITED STATES GOVERNMENT NEEDS TO SHUT DOWN XXXX  XXXX AND REMOVE THE OWNER, XXXX OFF FEDERAL RESERVE.

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 2024-10-23 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Discrepancy in Rewards Travel Cancellation Process On XX/XX/2024, I used my Truist business credit card rewards to purchase XXXX XXXX  tickets. Unfortunately, I need to cancel my travel plans, so I contacted Truist Rewards Travel representatives on XX/XX/XXXX at XXXX XXXX. During my XXXX call, the representative informed me that while my reward points could not be returned, the full value of {$590.00} would be held as an airline credit, usable within XXXX year with a {$45.00} rebooking fee per ticket. I called back later that evening at XXXX XXXX  to confirm the details, receiving the same information. 

On XX/XX/XXXX, I contacted the rewards department again to officially cancel the tickets. This time, I was told by the representative that because my tickets were " basic economy, '' they could not be canceled or credited, which conflicted with what I was told the previous day. The supervisor, XXXX, reiterated this point but escalated the call to her superior, XXXX. Unfortunately, XXXX was extremely rude, interrupted me multiple times, and insisted there was no record of my prior calls to Truist. Despite my attempts to verify the call times and details, XXXX refused to assist further and only put me on hold to contact XXXX XXXX. 

The information on my receipt clearly states : " *If you need to cancel your tickets for any reason, you may do so on the account activity page on your rewards site or by calling XXXX by the end of the next business day. Please note a {$45.00} fee per ticket may be assessed. '' There is no mention of any restrictions for basic economy tickets in the cancellation policy, which is what I had been advised by representatives on XX/XX/XXXX. 

As a loyal Truist customer for over XXXX  years, I expect to receive the service and terms promised. I kindly request clarification and resolution of this matter, as I wish to be treated fairly in line with Truist 's written policies. 

Thank you for your attention to this matter.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB Complaint to TransUnion Subject : Violation of FCRA & US 15 1681e Compliance Procedure - Address Reporting Dispute Dear CFPB, I am submitting this complaint regarding an inaccurate address reporting on my TransUnion credit report under the name XXXX XXXX. This name is a misspelling of my legal name, XXXX XXXX XXXX, and I have no association with the addresses being reported under this incorrect name. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and US 15 1681e Compliance Procedure, which mandates the accuracy of information reported by credit bureaus. 

I have previously disputed these inaccuracies with TransUnion and provided supporting documentation, including a police report filed due to fraud, as these addresses are connected to fraudulent activity. Despite this, TransUnion has continued to report the incorrect information and marked the addresses as verified. 

I kindly request that TransUnion immediately remove all incorrect addresses associated with the name XXXX XXXX from my credit report and comply with the FCRA and US 15 1681e regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
date : XX/XX/XXXX a deposit in the amount of {$5900.00} into my cash app however I had no XXXX  information until XX/XX/XXXX of this deposit from the IRS, which at that time my cash app account was closed. Please help me locate my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
To whom it may concern, Were writing in the hope that you can help us resolve a problem we are having with Chase Bank. 

Recently, we received a letter from Chase informing us that our checking account had been closed. ( XXXX ) The letter also stated that all the money in the account had been removed. ( {$8500.00} ) Nowhere in the letter did Chase Bank offer an explanation as to why the account had been closed or where the money was. We have spent countless hours dealing with Chase regarding this matter over the past XXXX weeks and, as of this writing, have spoken with XXXX Chase employees, none of whom has been able to provide any help whatsoever. 

A little history. The account in question is a basic checking account that our small neighborhood group uses to pay for road maintenance. Everyone contributes what they can into the account and then we use the funds to pay the contractors. Its important to keep the road maintained, especially in the winter, because there are quite a few retirees and older folk on the road who need to have a clear road in case of an emergency.

To pay for this maintenance, we opened a checking account at Chase Bank. Everything was fine until we received a notice from Chase telling us the account had been closed. And the money was gone. Chase never informed us they were going to close the account and the money just disappeared.

Assuming this would be a simple mistake to correct, we made an appointment with our Chase XXXX XXXX at the XXXX, XXXX  office hoping to straighten things out. XXXX eventually located the account and told us it had, in fact, been closed and was now in the hands of the Fraud Department. He told us he would find out what was happening and get back to us. 

We chose to be patient. 

It's now going on XXXX weeks and despite speaking with XXXX people in the Fraud Department and investing countless hours to this, we have yet to find anyone, anywhere at Chase Bank who has a clue where our money is or, more importantly, when we will get it back. Again, this is a basic checking account with about {$8000.00} in it that a group of retirees use to fix potholes. 

Im pretty sure if Chase had accidentally deposited {$8000.00} in our account, we would have instantly received XXXX emails, XXXX text messages and countless phone calls to get the money back. 

This is really disgraceful behavior on the part of Chase Bank. Can you please help us find out what happened and help us get our money back. 

Thank you in advance for your attention to this, The residents of XXXX XXXX XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation