vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} AXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} CAPITAL XXXX XXXX Balance : {$0.00} DISCOVERBANK XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX po box XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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 am sending this complaint to express my deep frustration and disappointment regarding the ongoing issue with removing fraudulent items from my record, despite multiple attempts to resolve the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply troubling that the issue remains unresolved. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred due to this persistent error. With this, I am requesting your assistance to remove these fraudulent items from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used the promo code XXXX XXXX XXXX XXXX to receive {$300.00} when opening a new checking account. Went into a Chase branch on XX/XX/year> and completed a payroll ACH deposit of $ XXXX on XXXX XXXX, 2024 and still haven't received bonus. Called Chase on XXXX XXXX, 2024 @ XXXX PST to follow up and spoke with manager, XXXX  XXXX who opened the Case Number : XXXX and said someone will call back in 1-3 business days. Chase failed to call back and I had to call again on XXXX XXXX, 2024 at XXXX PST. Escalated to XXXX, XXXX- who looked into the previous Case Number, and said she couldn't even find it. Asked to escalate to another Senior Manager with another Case Number : XXXX. She advised a Sr Mgr will c/b in 3-5 business days. A very unclear message was left on XX/XX/year> with incorrect instructions to call the XXXX where the Chase agent had no idea why they left that. I then was told to call a different number for the check claims. Spoke with XXXX, Senior Manager on XX/XX/year> at XXXX XXXX. The case was then again transferred to another specialist, XXXX XXXX XXXX, who said she would investigate and get back to me. I sent a follow up secured message on XX/XX/XXXX. A request to provide additional documents was received on XX/XX/XXXX, and responded to with the information on XX/XX/XXXX. I missed a call from XXXX on XX/XX/XXXX, which I called back immediately and the Chase agent was able to reach her, but left her a message. On XX/XX/XXXX, I sent another follow up secured message was sent to XXXX. On XX/XX/XXXX, another secured message was sent to XXXX. On XX/XX/XXXX, yet another secured message was sent to XXXX. A final message was sent again on XX/XX/XXXX. After more than 10 attempts over 2 months to resolve the matter, Chase has failed to respond to my messages and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-29 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-05-29 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address inaccuracies on my credit report. After reviewing my report, I discovered errors that need correction. 
These discrepancies have been addressed with the respective companies, and I am requesting that my credit report be investigated and corrected to reflect accurate information. 

Kindly inform me of the results of your investigation and provide an updated copy of my credit report. 
Disputed Items : XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Claim XXXX This was reversed but I did NOT recieve the product. 

I've submitted a lost package request with XXXX and they have NOT located the package. I am able to provide an entire day 's video footage on the day that was marked as delivered to show ( unedited ) that there was no delivery. 

Reference : Search ID # XXXX  XXXX XXXX XXXX Tracking Number XXXX XXXX XXXX lost package information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I have been using Uprova to get by for a while until I file for bankruptcy. Often I pay the loan back early and sometimes take a new one for a larger amount. 

I've never missed a payment on XXXX of their loans. They always advertise the ability to reapply for a new loan once I pay off the old XXXX. While approval isn't guaranteed, one would reasonably assume that previous approval on XXXX or more occasions, and my credit score going up wouldn't result in an abrupt change. 

I paid off the loan today in a single payment of about {$1500.00}, and once paid off, was told I could apply for up to {$2500.00}. I applied for {$1600.00}, and for the first time ever, was blanket denied... told I could have nothing. 

The reason given was number of credit inquiries, which is patent nonsense ... .these are predatory loans for people without many other options, and I had XXXX new credit inquiry recently - that's it. My credit score also went up XXXX points. 

I believe there is actually an ulterior motive for the denial - because I've frequently paid off my loans early, they've lost out on potential interest. So they no longer have Interest in providing a loan.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked for my crEdit score, they said to me I'd have to pay for a refresh, oh gee I thought it was free, just a simple plea I just want to know my score, can't you see?

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked for my crEdit score, they said to me I'd have to pay for a refresh, oh gee I thought it was free, just a simple plea I just want to know my score, can't you see?

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 2024-05-29 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: GA

Complaint narrative:
Despite submitting all required documentation and meticulously adhering to established procedures, it remains extremely troubling that this issue continues unresolved. This ongoing problem not only causes me considerable inconvenience but also erodes my trust in your organization 's ability to handle such matters efficiently and competently. It is unacceptable that, despite numerous efforts, the late open accounts are still unaddressed, which casts doubt on the accuracy and reliability of your record-keeping. I strongly urge you to treat this issue with the highest level of urgency and take immediate action to rectify the late open account entries in my record. Additionally, I expect regular updates on the progress being made in resolving this issue and seek just compensation for any damages or losses suffered due to this enduring mistake. I am thus requesting your help to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$360000.00}

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 2024-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite submitting all required documentation and meticulously adhering to established procedures, it remains extremely troubling that this issue continues unresolved. This ongoing problem not only causes me considerable inconvenience but also erodes my trust in your organization 's ability to handle such matters efficiently and competently. It is unacceptable that, despite numerous efforts, the late open accounts are still unaddressed, which casts doubt on the accuracy and reliability of your record-keeping. I strongly urge you to treat this issue with the highest level of urgency and take immediate action to rectify the late open account entries in my record. Additionally, I expect regular updates on the progress being made in resolving this issue and seek just compensation for any damages or losses suffered due to this enduring mistake. I am thus requesting your help to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$360000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I am writing to address inaccuracies on my credit report. After reviewing my report, I discovered errors that need correction. 
These discrepancies have been addressed with the respective companies, and I am requesting that my credit report be investigated and corrected to reflect accurate information. 

Kindly inform me of the results of your investigation and provide an updated copy of my credit report. 
Disputed Items : XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to refinance my cc. She acted like she didnt understand what I was saying. My Apr is 28 % annually. And they refused and said I couldnt do that. I have a good credit score o and pay my payments on time for years. It didnt make any sense. They also said I couldnt transfer my balance to another citi card.

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 2024-05-29 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: FL

Complaint narrative:
the last XXXX Digit of my Social Security number is not correct on 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 explanation
Consumer complaint received 2024-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Every representative I had spoken to for each day that I had called, they were sending me through loop holes about resolving my issues. They kept transferring me off to someone who can help and absolutely nothing got resolved. They ended up closing my account without my knowledge and after they did that I called to complain about that as well and they told me that I have to make my payments. I tried explaining to them that the purchases that were made on my account were not made and or authorized by me and they were gaslighting me telling me that I should be expecting their call on an update for the investigation they had opened up for my complaints and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief