vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. They violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. In Which I dont believe the accounts listed below should be shown on my credit report. Another law that is being broken is 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 I did not give anybody written instructions. The accounts that I disputed in my letter was : XXXX XXXX account # XXXX Amount : XXXX XXXX  Account # XXXX Amount : XXXX Division of child sup en Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. I need all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. Erase unlawful accounts listed above asap thank you to whom this may concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CA

Complaint narrative:
XXXX shows a LATE payment in XX/XX/2020 which is NOT accurate.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The forced choice questions didn't quite apply to my situation so I apologize if I filled that out incorrectly. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX CO, XXXX. Today, at XXXX PM MST I received a call from an XXXX XXXX XXXX ' ( call was from XXXX XXXX XXXX XXXX from XXXX XXXX WV ) that told me someone had used my cell phone number to open an Amazon account. They said the charges were for XXXX XXXX and something else which I was unable to understand given the language difference in the total of {$8500.00}. They asked me if I ever used public wifi ( and I had just returned home from a trip to visit my daughter, so the answer was 'yes ' ). After being put on hold many times and being told that the merchandise would be delivered to XXXX, NY tomorrow, I was told that it was too late to do anything to get the money back and that a criminal investigation would be required. 

Another long hold. Another man came on, XXXX accent, and sounded like the first man, although I was told I was being put through to the fraud department. He told me that these fraudulent charges had been going on for 22 months and they had to figure out who the bad guy was ( insinuating it could be me ). I have had a really tough 2 months and I really got hooked although I have experience things similar to this in the past, yet not as dramatic. Another hold. The guy gets back on the phone and tells me that they have to file a criminal investigation and they were going to call the nearest police department to me to file with that PD. I thought a minute and gave them the name of the PD in my town where I live. Ten minutes later the XXXX XXXX XXXX XXXX calls from XXXX, as if it is XXXX of my contacts. Ironically, and maybe only a coincidence, but my old business phone number was XXXX - I retired with the pandemic ). I was on hold so I 'Hold and Accept ' to receive the call and it is another man with an XXXX accent so this is the first time I consider fraud. I'm really upset and he tells me to 'stop laughing, you could be in big trouble. ' At this point, I tell him that I will head to the police department myself ( XXXX XXXX Police Dept, XXXX XXXX CO ) and I can talk to him there. He says, 'are you disrespecting me? ' He says that he is XXXX XXXX and he's not at the XXXX, then he says he'll meet me tat the XXXX  and that I should bring a criminal lawyer with me. I'm XXXX XXXX XXXX with no arrests- why would I have a criminal on retainer? I went to the XXXX  who helped me determine what steps I need to take. 

I surely appreciate your help in this matter. I'm also taking steps to notify my bank, credit card companiess and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit 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 non-monetary relief
Consumer complaint received 2022-04-28 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal credit union stated I owed them money for 3 debts, which in their own words these are debts that I still owe them money on. Since Navy federal credit union is stating I owe them money for these debts ACCOUNT # 'S XXXX. I am asking for documents to prove I'm obligated to pay this debt.An account ledger that shows I have an obligation for this alleged debt. I would like to see Navy federal 's records of accounting/their ledger for these 3 accounts, an established credit card account ending in XXXX on XXXX XX/XX/XXXX ; a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX ; and a personal expense loan account ending in XXXX on XXXX XXXX XXXXIf navy federal cant provide me their ledgers which should show I owe them money they should remove these inaccurate debts from my consumers report immediately. A BANKING LEDGER/ OR GAAP LEDGER ON THESE ACCOUNTS would show that I owe them money for these alleged debt please produce them and I will have no problem paying on this debt. They've reported inaccurate accounts on my consumer reports for 6 plus years while never suppling any information to show how I am obligated to pay on these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate information on my credit report and it causing unfair treatment and a judgment on my character.

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 2022-04-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # 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

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I have attempted numerous times to add a credit card account that I am on to both Equifax and XXXX. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XX/XX/2020 my home burned to the ground in the California XXXX XXXX. At that time my mortgage holder was XXXX Bank. My insurance company paid funds for the rebuild to XXXX who released money to us for permits, grading, getting water running, blue prints, soil studies, etc. There is so much to be done before a nail ever sees wood. Our mortgage was then purchased by Rocket Mortgage who received our insurance rebuild funds. Initially, XXXX determined that we did not have enough money to rebuild. I'm not sure how they determined that as they never saw any drawing, blueprints any type of document that you would need to make a cost determination. We argued with them about that and now they are refusing to release funds but say now that they will reimburse for payments. This isn't a washing machine or car we are talking about - a house, our house. We are not in a financial position to fund the rebuild and be reimbursed. We don't have the funds ( we just kind of lost everything ). Plus I do not trust Rocket to reimburse, they have been so confused and inept so far. The person who is working with us seems to have a general lack of understanding of any processes. But more than anything the money from the insurance is to rebuild our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TX

Complaint narrative:
XXXX, Transion Union, XXXX All 3 of these Companies are displaying in Correct info on my Credit Reports and is causing me to not receive services from buisness i wish to do buisness with.

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 2022-04-28 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: NV

Complaint narrative:
I called transunion & XXXX and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC 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 2022-04-28 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to Chase Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to Chase automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called Chase, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from Chase that they reported me to Credit due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX 

Instantly, I contacted XXXX XXXX and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent Chase various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, Chase still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and Chase. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I opened a PayPal business account complete with my and used it in conjunction with my XXXX account. On XX/XX/2022 at XXXX PM PDT I received my first payment via PayPal for a service rendered to a customer through a XXXX XXXX XXXX  The fund were added to my account but placed on hold due to my account being limited. I updated the service to reflect that it was a service and not a product so there would be no shipping. This then let me know that I would receive my funds by XX/XX/XXXX. 
Upon adding my bank account, PayPal let me know that I needed to submit more verification before I could lift a 21 day limitation and actually deposit the funds. The requested verification was a copy of my driver 's license for ownership and to confirm my business details including name, address, phone number, and what my business category was. I filled in the information correctly and had my business listed under services, other services, and filled in the box with full-spectrum doula services. The last time I was able to see the verification screen, it showed that drivers license had been verified and the business information was pending. 
Shortly after that I received 2 emails from PayPal letting me know that there and that my funds would be held for up to 180 days with these Ref ID - XXXX and Ref ID - XXXX. 
I called PayPal to see how to resolve this issue, customer service said they weren't sure why the account was shut down and said they would see if a secondary review would change anything but that would take up to 48 hours and wasn't sure to do anything. I let them know I have all the legal information required as my business is an LLC with its own bank account and EIN, which have also been provided to PayPal. They said I could call them back if no one reached out and they would try the process again.

I have read that other businesses have experienced similar problems and ended up stuck in a loop of waiting for a secondary review which never comes or they are eventually told there's nothing to be done and their accounts will be locked permanently. I would like to have this resolved as soon as possible because I am a small business and not having this money for 6 months is not an option. I have bills to pay and I've done nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX XXXX Transunion have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : 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 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 2022-04-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under 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 2022-04-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I called XXXX  & equifax and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
Today around XXXX XX/XX/2022 I called Experian as I noticed I have disputed my XXXX Retail Credit account twice in 3 months and they do not do any due diligence when the company responds. I have been given no proof they have even answered. Today I was told that is how it is. If they ( XXXX ) do not want to respond they do not have to or even update my account properly the Experian representative said today. I have settled this account in full. It is still showing derogatory and past due. I have other accounts I have settled in full and those accounts are updated correctly. 

I have documents to upload and of course it never works on Experian. When I called XXXX they put the blame on Experian and Experian put the blame on XXXX. This is extremely frustrating. 

Experian is a leader in the industry and this situation they seem to not want to be bothered. This is the 1st time I have had such a issue with them and hate having to do this. They have always been the better reporting agency.

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