vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX received text messages from Chase Bank if I was authorizing {$1000.00} transactions I replied ( No ), Chase XXXX from their Fraud department called back to explain that my account was compromised and for me to start moving money around so they can secure the accounts. XX/XX/year> I was instructed to go in Bank and withdraw XXXX to secure the new protected account... they called again XXXX XXXX to XXXX XXXX to complete everything and I wouldn't have to do anything else that they would take it from there upon completion. I was also told by the Hotline fraud department, for Chase Bank, chase bank was doing an internal investigation, with no outcome for the XXXX that they can not or refuse to trace without subpoenas from the courts. Hackers have infiltrated their systems and nobody is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: NY

Complaint narrative:
Im on XXXX XXXX  member and a perk included is rescheduled payments. I used it on XX/XX/XXXX and rescheduled to XX/XX/XXXX. There are multiple issues : they charge a convenience fee for card payments, not when you use a bank, so i added bank and moving forward the payments were automatically deducted. Well on XX/XX/XXXX i payed ( rescheduled XX/XX/XXXX ) using bank to avoid convenience fee of {$1.00} - they did not disclose that they prefer bank payments or that it would take XXXX business days to process and that in that interim i would be blocked from using card with a false message that i had outstanding payments. Well it is XX/XX/XXXX and im unable to use app or request anything. Furthemore they sell a 30 day membership to sezzle anywhere im unable to use this product because i submitted a bank paymenti paid, on time, but because i used a bank it will be processing for XXXX business days- thats a week! they never disclosed that paying with a card is how you avoid processing times and what they actually prefer. Seems like payment discrimination and if i dont pay convenience fee it becomes an inconvenience to use the app. I have been blocked from using/requesting sezzle anywhere, but i paid 30 days of membership.. in their world i could go XXXX weeks being blocked from app and still charge XXXX membership because there are other loans issued and all will be payed through bank to avoid convenience fee therefore the account will always be processing payment very unfair practices- what agent says in screenshot is not actually posted anywhere as of XX/XX/XXXX when i made that payment. A payment is a payment, youre allowed to charge convenience fee but im not sure youre allowed to keep my account on hold or bad standing because i used bank. Id been using debit yet they charhed me XXXX each time, that adds up. Also, they dont allow you to turn off automatic payments, thats not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company 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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened this claim XXXX, for XXXX atm transactions XXXX twice. In both cases the atm didn't provide the funds, I was traveling into XXXX and looks like here the ATM from XXXX XXXX XXXX doesn't work to get money from Wells Fargo. The claims was closed because was not properly handled or filled by the representative. I was very clear informing to the bank that the atm didn't provide the funds in both cases. Please reopen the case and proceed how was instructed, CASH NOT GIVEN I called a few days ago to request to reopen the case and listen the voice call when it was reported

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I got a promotion 0 interest for 12 months For XXXX XXXX. Through XXXX XXXX Wells Fargo ( XXXX ). My project started XX/XX/XXXX at XXXX and ive never missed a payment. I did a balance transfer through XXXX XXXX  XX/XX/XXXX my remaining balance was XXXX I made regular payment thinking it didn't go through. I went to bank and they said it went through. I call Wells Fargo they said they didn't receive gave me correct address. I gave my bank my statement I don't know how the address got goofed. Wells Fargo said I can open a claim till that payment goes through. today I called Wells Fargo and they said they can't removed the interest they can take XXXX off of the XXXX interest if I pay it today. They are not willing to do anything. they didn't charge me interest on what I owed first off. my account went from XXXX to XXXX. almost what I started out with from the start. That's crazy. Im getting scammed they are not willing to forgive anything. my bank says they can't do anything they will speak to someone higher up and get back to me. what can I do. I have proof that full payment was made. as soon as I found out I fixed it and they received that full payment today XX/XX/XXXX. Please help me. they charged interest of the full amount. what is the point of making on time payments. no one disclosed to me any of this information that it would be like this. please help

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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I have attempted to resolve an ongoing dispute between Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis. I've sent numerous emails to follow up on the information requested from the debt collector, however they are still reporting the inaccurate information. They required a police report and supporting documents ( this was completed ). After investigating, the apartment is no longer managed/owned by the same company and I am unable to receive additional information on the history of the debt. 

ORIGINAL COMPLAINT : XXXX I learned about XXXX separate collection accounts for XXXX different apartment communities. I have never lived or applied to either community before. The actions look place in XXXX and XXXX. During this period, I lived and still currently live in XXXX, FL. I attempted to contact the property management company XXXX for 1 of the apartments, however they are no longer affiliated with the community. The 2nd apartment confirmed that a debt is not owed in my name, however the debt collection company refuses to remove without proof. This particular debt was removed once, but has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
Ownership : I have no knowledge of this account. 

Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
I lived at XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX- I had a water bill {$220.00}. I then moved to XXXX XXXX, before I could sign the lease I had to pay {$220.00} to the office which I did by Money Order At this same time XXXX XXXX XXXX XXXX said they were switching computer systems & would apply the {$220.00} to XXXX XXXX when system were converted. At this time the company sold to XXXX XXXX. When my lease was up at # XXXX XXXX XXXX 2 months later I received a letter from XXXX XXXX XXXX stating I owed {$500.00} this is also fees. I explained the above. I called the XXXX Department to the Apartments XXXX stated they did not transfer all the payments during the computer conversion, and couldn't tell if I paid or not, this is an ongoing error not on my part. I explained how was I able to sign a new lease plus moved to another apartment # XXXX if I did not pay the balance? This is a malfunction on their end not mine! XX/XX/XXXX XXXX place XXXX on my Credit Bureau Report I was XXXX XXXX points off my score. On XXXX XXXX XXXX reported again stating payment as of XX/XX/XXXX had not be paid, I was doing another XXXX points for the SAME DEROGATORY DEBT. This is so extremely unfair to me as a consumer, I truly paid the water bill and it is the failure of the Apartments to not apply correctly plus loose data due to switching XXXX XXXX XXXX XXXX XXXX systems. I want this removed from my credit report, it is false, and I want my score points back for both Derogatory Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of 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 2024-11-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation