vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I utilized an 0 % XXXX balance transfer that was advertised to me by Chase Bank on their website for the XXXX XXXX Rewards Visa Card. I made a transfer in the amount of {$11000.00}. After completing my transfer, I began to be charged interest on purchases made even though I would pay more than the minimum payment and more than the dollar amount of my purchases. 

When I called chase to speak with them about why I'm being charged interest, I was told by 3 different representatives, that during a balance transfer period, unless the statement is paid in full ( in this case the full {$11000.00} + new purchases ), my payments would be allocated only to the lowest interest bearing amount first, then the purchases bearing the higher interest. Said differently, all my purchases that are accruing interest will not be paid off and will accrue interest until I pay off the {$11000.00} balance transfer. 

I was told that the interest provision described above was embedded somewhere in my balance transfer agreement, however it is not clearly stated. Unless the consumer was expressly directed to the subsection and made aware of where to find this hidden stipulation, it is very misleading to the consumer and is an unethical and unscrupulous attack on the consumer. 

Since XX/XX/XXXX I've made payments of {$6200.00} and have only made {$1800.00} in purchases, but I am still being charged interest on purchases because ( per the Chase Credit Card representatives ) the {$6200.00} has gone to pay down the 0 % XXXX balance transfer and none of the additional payments will be allocated to my purchases. 

Timeline below : As of my Statement Date closed XX/XX/XXXX, I had a {$0.00} dollar amount of purchases subject to interest accrual. 

On XX/XX/XXXX, I completed a balance transfer in the amount of {$11000.00} for an interest free period through XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with 3 Chase representatives who all confirm that Chase will lock me into paying interest on purchases unless I pay off the statement balance in full. For this reason " they advise customers not to make purchases during a balance transfer period ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: OK

Complaint narrative:
We have a mortgage on our home through XXXXXXXX XXXX in XXXX. Over the past XXXX  months ( XXXX XXXX- XXXX XXXX ) they have reported my monthly mortgage payment past due 30+ days XXXX ( XXXX ) different times, and I can prove with bank statements that the house payments have been were automatically drafted from my bank account by XXXX XXXX  directly within the first 15 days of every XXXX of those months. I have tried XXXX different times to contact XXXX XXXX  directly, but they have failed to correct these reporting errors. Our credit scores have fallen drastically down into the 500s as a result of these inaccuracies on our credit reports, which has added a great amount of stress to our household. We are requesting that these negative marks be DELETED IMMEDIATELY. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Debt belongs to ex spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CO

Complaint narrative:
I have private loans with XXXX XXXX, but am still currently XXXX  and taking XXXX classes to finish my XXXX I work as a XXXX XXXX XXXX, so it is hard for me to make payments while still in school. XXXX XXXX has told me that my loans have been deferred, but then still demand payments each month. I have talked with them multiple times over the phone and they told me my loans would be deferred since I am still in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The following errors contained in the consumer reports provided to them by your bureau are causing lenders to take adverse actions against me. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-03-09 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I've been trying to have these unrecognizable inquiries off my credit file for the longest because I never authorized the business that ran my credit to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I walked into Wells Fargo Branch at XXXX XXXX XXXX. XXXX XXXX, CA XXXX, and I tried to cash my check issued from XXXX XXXX  w an option to be payable through Wells Fargo Bank. I advised the Bank Teller that I had verified with XXXX Customer Service and Wells Fargo Customer Service agents via their XXXX customer service number the day prior, XX/XX/XXXX, that this would be possible. I had spent XXXX hours on the telephone verifying and providing check details and amounts that this was possible. They informed me that they would need to verify the check, and I was ideally understanding of that process. They came back XXXX minutes later, telling me that the check review was verified for funds but that they are trying to figure out how to cash it for me. Another XXXX min later, the Branch Manager, XXXX XXXX XXXX, XXXX ID # XXXX, informed me that the agreement between Wells Fargo and XXXX XXXX  did not allow the amount of my check to be cashed. I asked her what the limits were and explained that I had called the day prior and planned and prepared for this, but no one explained that information or provided it. Another Manager walked up and stated with my check in hand that she could run the check, but it would show as processed. I asked if she would run it and process it ; I would need a guarantee of payment, and she couldn't provide me XXXX and yelled at me and said fine then. The Branch Manager, XXXX, then stated that she was not required to verify that information for me and continued to refuse to cash the check based on any other facts ; I then asked if we could call XXXX XXXX  to demonstrate what they had told me or if she could provide documented proof as to why they are refusing to cash my check. She said we are not required to help you, and you can leave now. After spending over an hour there providing my current driver 's License and Passport as identification after waiting and verifying proof of funds for the check, they did not want to process it based on allegations that could not be proven or provided. I believe this was like another instance of the banks refusing to give people their funds and abusing their power or pure discrimination, or I have been racially profiled because I am a XXXX Woman and was treated as if I shouldn't be entitled to my funds. 

My check was a settlement check and verified multiple times for {$80000.00}. I understand banks do not hold excess notes for issuance, but I also stated I was willing to take cash notes and a cashier 's check as they are all negotiable instruments and under the UCC laws that state such facts. 

I do not trust Wells Fargo, so I refuse to be cohered into opening an account and be subject to financial abuse versus cashing a check.

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 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : TransUnion XXXX XXXX XXXX XXXXXXXX XXXX This is further complaint and follow up to the above indicated reference numbers. 

XXXX XXXX XXXXXXXX and TransUnion keep ignoring my requests backed up with the laws concerning placing inaccurate informations on my credit report harming my personal credit in making financial decisions. XXXX XXXX  XXXX and TransUnion keep violating my consumer rights and the following laws : 15 USC 1681 Section 604A Section 2.

15 USC Code 5 1681b.

15 USC 1681 Section 602. 
Thus, XXXX XXXX XXXXXXXX and TransUnion both challenging the LAWS of consumer protections and both act in defines in providing adequate action to remove inaccurate and NO proofs ( written ) by consumer. On this occasion I the consumer lend a final demand for the XXXX XXXX XXXXXXXX and TransUnion to REMOVE inaccurate information from my report and I seek to use the LAW : 15 USC 1681n {$1000.00} each.

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 2023-03-09 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: OK

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 U.S.C 1681. Account name : XXXX XXXX account numberXXXX.account name : XXXX XXXX account number:XXXX. Account name : XXXX XXXX  account numberXXXX. Account name : XXXXXXXX XXXX  Account numberXXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: PA

Complaint narrative:
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
To whom this may concern, I am writing to express my deep concern regarding the charged-off account from XXXX XXXX  account XXXX, which has been reported on my credit report for several months now. I believe that XXXX XXXX  is currently violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting this account as current, instead of being charged off and closed as it has been for months. This has resulted in significant harm to my credit report and has cost me thousands of dollars in lost opportunities. 

Furthermore, I would like to bring to your attention that a full and proper investigation was not conducted to validate the accuracy of this account. I was not provided with the actual date of the first delinquency, the account closure date, the original contract showing my signature, the name of the representative that validated every piece of information to be 100 % accurate and verifiable, and the time they spoke to ensure that the payment history is accurate. I am concerned that your reporting of this account has been inconsistent with other credit bureaus, which is a violation of my rights under the FCRA. 

I would like to emphasize that an account can not be reported as current after it has been charged off. Therefore, your company 's recent decision to report this account as current is a violation of the FCRA. 

I am requesting that your company immediately investigate this matter and provide me with a detailed explanation of why the account has been reported as current, instead of charged off and closed as it has been for months. If every piece of information related to this account can not be validated and is not 100 % accurate then I am requesting that it be deleted from my credit reporting. 

I look forward to hearing back from you in a timely manner regarding this important matter. Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-09 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: IL

Complaint narrative:
XXXX XXXX XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from worldmark by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

3rd. Per Us Law according to 15 us 1692c. We did not give permission for XXXX XXXX XXXX and the finance company ( comenity bank ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

4. Me and my fiance experienced discrimination from XXXXXXXX XXXX XXXXXXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature

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