vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 XXXX Studnet loan services were paid in full and I received a letter that I will attach that states this is so. Equifax refuses to acknowledge the letter in my dispute XX/XX/2023, I called and they hung up on me, I need this reported correctly and accurately asap. This is fraud. Equifax is refusing to do a proper dispute resolution and no I believe them to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Checked my XXXX XXXX and noticed UNAUTHORIZED INQUIRIES ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX  there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/2023. i am requesting the Method of Verification For the following dispute ( XXXX # XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that XXXX XXXX, XXXX and Equifax send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/ there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/. i am requesting the Method of Verification For the following dispute ( XXXX # XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that XXXX XXXX, Experian and XXXX send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In response to CFPB complaint XXXX in which Chase alleges they neither confirm nor deny the phone conversation with demonstrably false lies made by Chase representative in a phone call XX/XX/XXXX. 
This is evidence of further Chase misconduct. Chase bank is concealing its misconduct by implying phone calls with them are not recorded for quality purposes even though I *never* opt-outed of recording my phone calls for quality purposes. 
( 1 ) Why is Chase not able to confirm what its own Chase representative stated to me on the phone dated XX/XX/XXXX. 
Even worse, XXXX a more senior representative from JP Morgan Chase Executive Office XXXX extension XXXX failed to provide me his promised follow up phone call after his initial call on XXXX XXXX XXXX  informing he receiving my CFPB complaint. XXXX promised a follow up call at conclusions of investigation. He never called. 
My position remains that chase representative explicitly promised she would ask merchant to give me refund. 
My further position is my current chase account states we resolved your dispute yet I have not received any credit. ( as attached ). 
( 3 ) How can a dispute investigation be completed in less than 30 minutes after a phone call on XX/XX/XXXX. 
Chase is aware of its wrongdoing here because Chase is in possession of all timestamps of my phone calls and email ( s ) received relevant to this complaint, chase is intentionally ignoring the timestamps for the purpose of denying wrongdoing and evading culpability. 
As alleged, and re-alleged, Chase is preventing me from opening any dispute towards the quality of the aformentioned service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
I fell behind in my payments and received a consent judgment from Republic Finance. I meet with the manager and we worked out a payment of {$250.00} a month. This was in XXXX XXXX. At the meeting I made a {$500.00} payment cash/check. The payment was suppose to be taking from my checking account or that was what I thought was the agreement. On XX/XX/, I received a garnishment writ concerning I have not made payments. When I talked to the manager of Republic Finance and her comment was I am sorry for the miscommunication. I asked her why no one called and left a message to call, why no correspondence or late notice from the company during XXXX, XXXX, or XXXX. They told me a call was made in XXXX, however when I looked at my phone I received no call and if they did call there was no message to call their office. I have the companies name on my cell phone so if they called it would have pop the name up and if they called and left the message, I would have returned the call. I am fairly sure that I was at least entitled to a phone call, email or even a letter to contact them in XXXX if there was a problem with the payment plan. I would like the CFPB to help me obtain the correspondence that efforts were made on their part before the garnishment was executed. Which is proper collection procedures for any company, bank or credit union. I also want the garnishment withdrawn and a proper payment plan reinstated. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
I recently began looking into moving and I noticed inaccurate information on my report I began reaching out to XXXX & TransUnion to get this information updated/ changed/ Deleted with no success or response Im hoping this complaint can get something resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX I had a loan with XXXX XXXX XXXX XXXXXXXX had sent the account over to XXXX. I was on a payment plan of {$62.00} 12 weekly payments starting on XX/XX/XXXX when I went and put in my debit card invalidated a XXXX cent charge, so the payments began on XX/XX/XXXX I thought I was on the right track and then. And the debit card I had on file last four digits XXXX. I had to cancel that card because it had gotten lost and I had to order a new debit card. Because of that I had a payment on XX/XX/XXXX. I had to skip that payment on XX/XX/XXXX to avoid the card getting charge because that card was already closed. I got the newdebit card on XX/XX/XXXX ending in XXXX. I tried to update it on XXXX but there was an issue with the website updating the debit card. I sent out an email and a representative from XXXX had reached out to me and said that there was an issue with the website and now I can update the new debit card. I updated the new debit card on file on XX/XX/XXXX. I checked back this morning and its saying the next payment is XX/XX/XXXX so Im assuming OK I have been on track so far. Find out what the balance is the remaining balance. Out of curiosity and an agent told me when I spoke over the phone that my balance is still the same and that nothing has been taken out and Im like how is that if I the debit card I had on file had no issues but I had to close that debit card because I had to get a new one because I lost it so I dont know whats been going on and Im in a bind already as it is and now its like I dont think thats fair so this entire time nobodys been charged and youre not charging I dont know whats going on here, but this is shady. I am in fixed income and Im barely making it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX Verify this account XXXX XXXXXXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX XXXXXXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There a two inquiries with capital one that are not mine.

I have disputed multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: KY

Complaint narrative:
I am consumer. I am XXXX XXXX XXXX, SSN # XXXX. This written by me and not a third party or law firm. Equifax is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested Equifax send METHOD of VERIFICATION in 15 days three times. I have not received it. Equifax has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW Equifax had 15 days to provide the documentation used to verify my disputes. Equifax must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If Equifax does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. Equifax commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Last year, my employer started using HSA Bank, a division of Webster Bank, to handle and manage the XXXX debit card funds that are provided to us on a yearly basis. The funds are related to our health insurance. 

Today, XX/XX/, I received a " year-end notification '' about data sharing. I wished to opt out of the data sharing, and the only mechanism to do so provided in the notification was to call an XXXX number in the notice. I called that number, but the woman who answered wanted a long list of personal information even after providing the last four digits of my social security number, prior to proceeding. Uncomfortable with providing that information over the phone, I asked if there was another way to limit data sharing with affiliates. She told me I could do so through the online portal. I tried that, but the online portal had literally no way to limit anything. 

I understand that XXXX XXXX  makes money from selling my information. They should not, however, be making it impossible to limit the minimal categories that can be limited. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC
State: AL

Complaint narrative:
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, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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