vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
The HELOC I had with PNC Bank was paid off ( refinanced due to better interest ) by XXXX. During the payoff process, I made a regular monthly payment so my credit would not be affected which resulted in a credit balance of {$110.00} once payoff was received from XXXX. PNC charges an annual fee of {$50.00} for their HELOC. I visited the local branch on XX/XX/23 to make sure the HELOC was closed and spoke to a manager to collect the {$110.00} overpayment. He said that PNC would send a check. I questioned the {$50.00} fee, which is for the incoming year, and he said it would not apply since the account was closed. I received the refund check which was {$50.00} short. Immediately I called PNC customer service, XXXX XXXX indicated it must be an oversight and forwarded me to their support department. Days later I received contact from XXXX. Explained the whole situation and he agrees it must be an oversight but he would forward my information and plead my case??? to get my {$50.00} refunded. I received a call back after several days from XXXX stating that PNC would NOT be refunding my {$50.00} fee because the payoff received from XXXX was not posted until after the payment notice from PNC regarding the {$50.00} fee. According to the Statement dated XX/XX/23, the fee was due for payment on XX/XX/23 which was AFTER my account T was fully closed. I have Documentation verifying my claim for PNC to refund my FULL overpayment {$110.00} less {$69.00} received leaving a balance of {$50.00} they still owe me. Please advise if you want copies. I know it is only {$50.00} but the matter is that they are wrong and possibly illegal for keeping it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a convenience card from AMEX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has XXXX responsibility for the balances, I do personally and singularly. He has called both AMEX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: MO

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED. ALSO THIS ACCOUNT HAS NOT BEEN UPDATED IN OVER A YEAR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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. 




Open Accounts : XXXX # XXXX XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2023-11-08 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. 




Open Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX someone charged my account {$2000.00} at XXXX. When i noticed it i locked my card and call Chase when i could. They said they denied my claim because I confirmed the fraud alert that they sent me. The fraud alert was from a completely different transaction. Now they dont want to open my claim and I lost {$2000.00}. I am not rich i can not afford to give away money and they arent even trying to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-08 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yet again JP Morgan Chase refuses to process disputes as required by law. 

Transaction date XX/XX/2023 Post Date XX/XX/2023 Amount XXXX Merchant XXXX XXXX XXXX Merchant did not provide the requested service and did not provide any resolution to numerous written complaints. 

JP Morgan Chase failed to process the dispute. They replied only with numerous automated form letters totally irrelevant to the dispute. They have not issued a credit as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX - XXXX XXXX  XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On about XX/XX/XXXX Chase Bank had debut issue nationwide I was not aware of. I tried to take XXXX from thier atm at route XXXX and XXXX in XXXX, IL. Nothing came out it just spun. Lady in next lane same issue. Unaware I later went to XXXX in XXXX, IL and used thier atm tried to withdraw XXXX got XXXX and XXXX charge, an error message tried to screen shot with phone but screen disappeared to fast. Bartender said " it was broken. '' I asked, than why no sign?! '' Stated to use atm up front, so I walk in front of restaurant and try to take XXXX machine gives error message, no cash and check my account debited me XXXX. 
I call Chase bank claims immediately as I this point my account already messed up. Woman says " so sorry we are having nationwide issues with our debit system etc. '' Tells ne file a claim. 

I tried one more time on a purchase at XXXX dies nit work, error message. Go home and that Nighy or next morning speak with claims and they file privisonary credit for every transaction that day, I di nit think foreign agent understood me correctly. 

I get provisional credit of I think around XXXX? 

Last week XX/XX/XXXX get letter reversing XXXX credit as " machines aid I recieved money! '' Had to go to branch twice and get off work early as no one could assist personal XXXX XXXX at XXXX on XXXX XXXX & XXXX in XXXX, il XXXX XX/XX/XXXX to help me file counter claim. Had to go back XX/XX/XXXX XXXX a Non-Fraud Atm Dispute form for XXXX XXXX. 
I ask what about the rest of claims? He said " Oh your fine, nothing else here on account " XXXX XXXX I get letter from Chase stating reversing ALL provisional credit. 
I call claims tell me same thing " machine say you recieved money " No help whatsoever! 

I am being charged XXXX XXXX, XXXX XXXX and and XXXX that I never recieved please help me I am a senior with health issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulations was sent XX/XX/2023 RE : XXXX XXXX XXXX XXXX notice was sent XX/XX/2023 RE : XXXX XXXX XXXXXXXX XXXX was sent XX/XX/2023 RE : XXXX XXXX XXXX Acceptance of Discharge was sent XX/XX/2023 RE : XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX Debt assignment was sent XX/XX/2023 RE : XXXX XXXX XXXX Rescission of signature XX/XX/2023 Cert # XXXX XXXX XXXX XXXX XXXX XXXX Exoneration of debt. XX/XX/2023 It was never my intention to be a part of a trust whereby I would not be the beneficiary. 
To date CHASE has not sued the debtor therefore I am exonerated from the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My car was stolen on XX/XX/2023, and I have a rental car from XXXX. My XXXX XXXX Insurence paid for my rental but I need it to provide XXXX with my credit card. After returning the rental car at the end of XXXX I was charged by XXXX in XXXX on my credit card {$240.00}. When I called XXXX they told me that they can do anything about so I started a dispute on my credit card. On XX/XX/XXXX I received a letter to sign that I didn't authorize this charge. I emailed Citi credit card on XX/XX/XXXX, then I called them around XX/XX/XXXX and they told me they needed to process my documents. Then I waited and at the beginning of XXXX I called them back this time they told me that they did receive my letter so I ended another one on XX/XX/XXXX. After that, I called them on XX/XX/XXXX and they told me my case was closed and they couldn't resolve my dispute because I was late with my signed letter. On XX/XX/XXXX I got an official letter that I needed to pay {$240.00}. 
I followed all that they asked and I am not responsible for their unprofessional way of dealing with customers. 
Please help me resolve that problem. 
I had so many problems from this thief who stole my car.

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 2023-11-08 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-08 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: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief