vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sending my dispute letters for many times, still not receiving any response from the bureaus. Please delete this account immediately I'm so stress please delete it now or else I will file a case regarding this issue. 

XXXX XXXXXXXX XXXX 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
On or about XX/XX/2024 I had a collection agency place an account on my credit report and I never received any information regarding this account prior to placing on my credit report. I disputed with XXXX through XXXX XXXX and it was removed. In XXXX this account reappeared on my credit report and I disputed it again for the same reason. This account was placed as a new account with an open date of XXXX and again no formal notification was received by me of this accounts existence. The dispute took longer than 45 days and was not removed. I disputed it again on or about XX/XX/XXXX and they still will not remove this account. I dont have an account with this company and not documentation has been sent to me regarding accuracy or anything else. I want this account permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a XXXX XXXX  offer from Fidelity on XXXX. On XXXX I received a letter from Elan Financial Services stating my application was denied because XXXX was reporting a credit score of XXXX. Naturally, I checked XXXX, and my credit score on XXXX was XXXX. I looked at my Fidelity account and Fidelity XXXX XXXX showed a score of XXXX. I called Elan Financial Services on XXXX and spoke to XXXX XXXX XXXX, who was of no help at all. I also called XXXX the same day and spoke to rep XXXX, and explained to her what was going on, call reference # XXXX. NOBODY CAN TELL ME WHY XXXX IS TALKING OUT OF BOTH SIDES OF ITS MOUTH!! Obviously this is somebody's idea of a prank or XXXX XXXX. I have spoken to an attorney and we are currently composing a letter to XXXX and Elan Financial Services. I would like a reasonable explanation as to why this is happening, but it is apparent that the important people at either XXXX or Elan Financial Services are more ignorant than I realized. God help the United States if these are the top brass calling all the shots and trying to make our country great again!

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I made a {$500.00} payment, they never submitted to my bank, lied about it & charged me interest. I asked for escalation, they never responded. I made a {$66.00} XXXX {$430.00} payment, they reversed/held payment, charged interest again! I asked Supervisor " XXXX '' what balance amount did they use to calculate interest fee. She stated she doesn't know & Noone there knows. I said that's scam/fraud. She pretended call dropped, but muted her phone. Stayed on for an hour while I am submitting complaint to att general, XXXX  and you guys, then hung up! They are stealing from consumers with false credit reporting, high interest, return fees late fees & whatever else! I told them my mom had a heartattack. I needed my card for emergency, they got worse!

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the cancellation of my Priority Pass ( PP ) card by Chase Bank and the subsequent issues I have faced.On XX/XX/XXXX, I dined at a PP network restaurant at XXXX XXXX, only to be informed that my PP card was not working. This unexpected issue forced me to pay the entire bill out of pocket. On XX/XX/XXXX, while at XXXX XXXX, I called Chase customer service to address this problem. I requested reimbursement for my cost at XXXX and sought a solution since I intended to use my PP card at a PP restaurant at XXXX XXXX as well.The agent I spoke with advised me to use my XXXX card to make purchases at the PP restaurant at XXXX XXXX and assured me that I could call Chase later to apply the {$56.00} credit ( for XXXX people ). She also mentioned leaving a note on my account regarding this arrangement.However, when I subsequently called Chase and contacted customer service via secure message, I encountered repeated excuses and refusals to apply the promised credit. This has been both disappointing and inconvenient.I am requesting an urgent investigation into the reasons behind the cancellation of my Priority Pass card by Chase. Additionally, I demand that the credits for my expenses at PP restaurants at both XXXX and XXXX airports be applied promptly.I trust that Chase will handle this matter with the seriousness it deserves and ensure that such issues are resolved promptly to prevent future occurrences. Receipt for the XXXX XXXX XXXX restaurant is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
The dealership did not disclose this information to me that is required by federal law. 
The dealership knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
The dealership knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 
You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b/Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- '' promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.it is XXXX XXXX account which is XXXX XXXX XXXX, it is the hard inquiries from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sending my dispute letters for many times, still not receiving any response from the bureaus. Please delete this account immediately I'm so stress please delete it now or else I will file a case regarding this issue. 

XXXX XXXX XXXX. 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$340.00}

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PARK NATIONAL CORPORATION
State: OH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

GUARDIAN FINANCE CO. 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$340.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: WI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable documents which only 2 are required by law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a {$500.00} Amex gift card from my company. I was able to use in-store and the remainder I wanted to use online. I have tried multiple times at four different online sites to use and it has been declined every time. After doing online research I have learned this is a problem that many people have. I have learned that some people have even had them declined in-store. These cards are not able to be used the way they are advertised. I would like to use this card online as the card states I can. The specific product I want can only be purchased online at a specific store. I am very frustrated with this experience and would like full use of this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # 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 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I cant seem to understand why is this bank playing games with me and my money this is so unprofessional it has to literally be a joke I still cant access any of my funds even after receiving several emails saying that the restrictions were lifted off of my accounts just to receive a few more emails 2 minutes later saying that my account is back restricted. What games are Ally Bank playing with me? I need to take them to court this is outrageous I have {$80000.00} just up in the wind that I trusted banking with this company and they cant seem to explain to me whats going on when I call now theyre telling me that the systems are down call back in 24 hours hopefully the systems will be back working. This is insane I have a family you guys have no idea how nerve wrecking this is I am so stressed out behind this because Ive been robbed XXXX by a bank and cant have access to none of my money this XXXX I havent even been able to pay some of my bills due to this happening to me please can I receive some help my lawyer will be reaching out hopefully we can get this case up and going and I receive my money back Im praying

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Universal Payment Corporation
State: OH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX XXXXXXXX XXXX 
XXXX XXXX {$19000.00} UNIVERSAL PAYMENT CO XXXX XXXX {$340.00}

Company response to consumer: Untimely response
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: MD

Complaint narrative:
On XX/XX/XXXX, I reached out to XXXX after seeing on my credit report that Prince Parker and Associated had reported a {$150.00} debt from an account I held with XXXX XXXX XXXX. However, neither XXXX nor Prince Parker and Associated validated the debt with a contract or any evidence that it belonged to me. Despite this, XXXX took Prince Parker and Associated 's word and claimed they had validated the debt over the phone and mail, without providing any supporting documentation. I had already settled my account with XXXX XXXX XXXX directly and had no outstanding debts. Even so, XXXX refuses to remove this negative remark from my credit report, and Prince Parker is unwilling to provide any supporting documents to prove the debt belongs to me. Given that I have no dealings with them, I ask for the removal of this unjust remark from my credit report, as I do not owe Prince Parker and Associated any debt.

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 2024-08-03 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: LA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX Fifth Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Account name RESURGENT/LVNV FUNDING- is claiming that an account was opened XX/XX/year>. The updated amount was XXXX as of XX/XX/year>. This negative item does not meet the FCRA requirements. I do not recognize how and why it is reporting. Delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting 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:
I have two hard inquiries on my credit report that I did not approve. One is XXXX The other is XXXX XXXX XXXX XXXX I need my accounts protected immediately.

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