vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a ski rental with XXXX XXXX XXXX XXXX through XXXX for 2 days, from XX/XX/XXXX to XX/XX/XXXX. Check in time was XXXX. We arrived in XXXX early and purchased {$400.00} worth of groceries. 

At XXXX, 4 minutes ahead of my check in time, I received a call from XXXX XXXX  stating the door was broken and they had no time estimate for when we could check in. I attempted to call back 3-4 times over the course of nearly 4 hours while we sat in a snowstorm with poor service and a warming-up car full of perishables. During that time we attempted to book a different property, but nothing was available to house 7 people at short notice. Finally, at around XXXX, we were able to get into the house. 

I attempted to resolve the issue with XXXX XXXX, who had offered an empty promise of refunding the {$380.00} cleaning fee, but they deliberately avoided me. This prompted me to go through Chase Sapphire Reserve. 

On XX/XX/2022 the Chase rep assured me this would be resolved, stating " it is easier to ignore consumers than large banks. '' This temporarily removed the balance of {$1800.00} from my account. 

In XXXX I received a call from another Chase rep stating that they can't refund the full amount, but he could confidently get back half ( {$920.00} ). He even said " I agree you should not have to pay the full amount given you did not receive services as described. '' He also mentioned the merchant offered to return the cleaning fee, which I was unwilling to accept given the amount of my time they wasted. 

Finally, on XX/XX/2022 I received a letter stating the full amount was valid. When calling chase, they told me I had no options other than " to go to a chase branch and fax in an appeal, which is unlikely to succeed, or report the company to the XXXX '' I am now left with no other options and feel swindled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Tally Technologies
State: NC

Complaint narrative:
I hope all is well I know I qualify for the loan with Tally I checked all the guidelines several times on line. My credit score is good its XXXX and I have not ever been late on anything on my credit my whole life and Im XXXX. Im not for sure what is going on but I would really like 3 or 4 of my credit cards paid off so I would have XXXXne payment instead of several. I have unfrozen my XXXX account several times and I even wrote them a certified letter to unfreeze and they keep saying its unfrozen so Im not for sure what the issues really is. This really needs to be look in to because I know I qualify so Im not for sure why when I have tried several times to get the loan I havent received it. I can assure you that I qualify for Tally. Please help me something is going on here and it isnt right. Thank you very much for your time, I truly appreciate it. Have a wonderful day and please be safe.

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 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
IN REGARDS TO COMPLAINT NUMBER XXXX Midwest credit collection has refused to address all issues regarding my previous complaints. My next step will be to file a complaint with the attorney general, the XXXX, and more. 


Please address line by line every claim that I have addressed to you regarding your deceptive collection practices on the alleged owed debt. 


( Midwest credit collection has broken several laws inluding identity theft. Pursuant to 15 usc 1681A ( 3 ) ( a ) medical bills can not be shared. Pursuant to 18 usc 8 all debt obligation are of the United States. Pursuant to 15 usc 1692c ( a ) midwest collection never had my prior consent to contact me pursuant to 15 usc 1692d ( 5 ) I have been harassed and my phone has rung from the debt collector 's office. ) also I did not receive anything in the mail from your office showing any type of validation of debt. I request that you upload your correspondence and documents here to the consumer financial protection bureau for a proper paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-04-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$3100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-04-07 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: GA

Complaint narrative:
On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at 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 non-monetary relief
Consumer complaint received 2022-04-07 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I discovered accounts on my credit report that I do not recognize, These accounts do not belong to me. I have discovered that I am a victim of several breaches and identity theft. Someone has used my information and I have no idea who has done this. I want the accounts removed immediately! These fraudulent accounts are interfering with my credit worthiness and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Advanced Resolution Services Inc.
State: MA

Complaint narrative:
I disputed by certified mail on XX/XX/2022, XX/XX/2022, and XX/XX/2022 this bankruptcy with the case number XXXX because Advanced Resolution Services is reporting inaccurate information because this bankruptcy is not mine because it is not my correct name, my full social security number or my full date of birth so, I am attaching my Social Security Card picture showing my correct first name and last name because it is different from your documents. ARS you must remove or delete this bankruptcy immediately because you have wrongfully mixed my name with some else information. 

You responded to me on XX/XX/2022, XX/XX/2022, and XX/XX/2022 file # XXXX did not fix or deleted this false reporting on my bankruptcy because you did not investigate 100 % so, please delete or remove this bankruptcy immediately. 

I attached 6 supporting documents including my identification and the US postal service tracking numbers please check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my updated credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$3100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF THE WEST
State: CA

Complaint narrative:
As early as XX/XX/2021, I was hospitalized continuously and while XXXX, I contracted XXXX. During the course of my XXXX  I was transferred to a XXXX XXXX XXXX, where I am till this day. 

I wasn't able to get in contact with my creditor, in this case Bank of the West, until recently, to inform them of my XXXX. Upon informing them of my situation, seeking option to protect my credit, I was informed that my secured credit card account had been charged-off, and paid in full due to nonpayment. When I asked about what programs they have available to individuals in my situation where they are unable to make payments on their accounts due to XXXX XXXX, I was told that since the account was already closed, there wasn't anything they could do about it, that it was over-with and that it was too late.

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 2022-04-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Incorrect personal information 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 2022-04-07 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: MS

Complaint narrative:
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 explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
I first received a notice of a new account appearing on my credit report in my name on XX/XX/2022. I then checked my credit report and a new account had been added but from a company I had never heard of. I sent an email to the company ( Curacao ) regarding this fraudulent account but never received a response. On XX/XX/2022 I received an invoice in the mail from Curacao and on XX/XX/2022 I called customer service and spoke with XXXX at XXXX regarding my issue and she stated that she had started a fraud ticket and that the fraud department would be in touch with me. While waiting I froze my credit accounts and also sent a dispute letter with a copy of the invoice via certified letter on XX/XX/2022 and it was received on XX/XX/2022. But I received no response. I then received a physical credit card in the mail from Curacao and I then called customer service and spoke with XXXX on XX/XX/2022 at XXXX am where he told me that the account had been blocked and not further purchases could be made. I then inquired where the actual fraud took place and he told me at their store location in XXXX, Arizona. I filed a police report immediately with the XXXX Police Department regarding the identity theft and it was approved XX/XX/XXXX. On XX/XX/XXXX I was then contact by XXXX regarding the disputed account and both XXXX and I both spoke with XXXX, the fraud analyst from Curacao, on the phone. She informed me that she would be sending an affidavit that I would have to fill out and get notarized so she could further investigate. I received the affidavit on XX/XX/XXXX, but she also required several other documents in order for the claim to be further investigated. On the letter it stated that, " You must respond within the required time frame, or our company will consider that you accept full responsibility of this debt. '' I sent the forms required on XX/XX/2022 and they were received on XX/XX/2022, why weren't all these forms required when this account was opened in my name? I sent an email to XXXX on XX/XX/XXXX regarding the certified letter that I sent and she responded saying that she would follow up once she received the certified mail. I sent another email on XX/XX/XXXX and I have not had any emails or voicemails from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent dispute letter to equifax on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX of XXXX  after reviewing my credit report I discovered that I had been a victim of Identity thief, I then filed a police report with XXXX XXXX police department, and I filed a identity thief report with the federal trade commission. I then sent the police report, and the identity thief report to the three major credit reports XXXX, XXXX, and XXXX, about 30 days later the accounts were deleted. About 30 days after that XXXX reinserted two of the account 's account no # XXXX and account no. XXXX and XXXX reinserted one account account no. XXXX. I then contacted XXXX and XXXX and informed me that I would have to contact the creditor NAVY FEDERAL CREDIT UNION to furnish me the documents that they used to verify and certify these accounts. I then contacted Navy federal credit union by U.S. postal certified registered mail. Navy Federal never responded with the documents I requested. They did respond with a document requesting a account number, and additional information. I am enclosing the documents and correspondence I sent to Navy federal about this matter.

In according with the fair credit reporting act Navy federal has violated my rights. 15 U.S.C. 1681 SECTION 602 A STATES I have the right to privacy. also 15 U.S.C. 1681 section 604 a. section 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act has DYCK ONEAL They also violated my rights under these laws : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not XXXX up my life any more.

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