vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
Chase credit claims to offer fraud protection. I have a chase card I use for business only. In XXXX and early XXXX of 2022, I discovered XXXX  charges for XXXX items fraudulently charged to my card, I called Chase and they assured me I would not be responsible for the charges. My card was canceled and reissued. A month later, Chase put back all of the charges on my card except for one. They claimed I benefited from the transactions except for one of the XXXX. I was stonewalled by Chase and rudely told to take up my case with XXXX. I do not even have an account with XXXX!, When I contacted XXXX, they informed me that they could not help me because a dispute case was opened outside of XXXX, They also indicated that they do not mention that I benefitted from a transaction, so it appears that Chase is deceiving their customers and blocking recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
EASTERN ACCOUNT SYSTEM, INC. has collected a debt from in the amount XXXX. I have paid this debt to them and have requested that they update my credit report showing that the debt has been paid. I have filed 3 disputes to get this corrected on my credit report and EAS keeps verifying that the debt is still owed to the credit burrows.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: OH

Complaint narrative:
Please remove these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with XXXX demands.

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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I had an appraisal completed on my residential home for a refinance XX/XX/2022. I decided once I received the appraisal that my financial goals would be better met with a different type of loan through a different lender. The new lender was okay with using the appraisal since it had been by a certified appraiser on their appraisal company 's list. The new lender asked me to obtain a transfer letter from Pennymac. I called Pennymac and was told that the appraisal could not be transferred because it was for a conventional loan. I was told that if it would have been for a VA or FHA loan, then it could be transferred. I e-mailed the loan officer the next day to ask if I could see PennyMac 's formal policy as it related to XXXX XXXX guidelines as to why it could not be transferred. I had researched XXXX XXXX guidelines which say appraisals can be transferred if lender it is being transferred to conforms to Appraisr Independence Rules. I have never had a response to the e-mail. I now have to pay full price for a completely new appraisal which is financially hard for me and will also now have to wait weeks to get a new one done which will also cause more hardship for me. 

Pennymac is my current lender, where I have an interest rate of 2.5 % on my first mortgage. I believe they were not happy I did not complete the refinance into a higher interest rate of 4.25 % and this may be why they would not transfer the appraisal. Without being able to see the policy, I have no way of knowing whether what I was told is true or if Pennymac just didn't want to give me the transfer because I didn't follow through with the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: LA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion dark web illegal activity tldr ; Transunion has two separate websites and trick users. One is a marketing site XXXX XXXX XXXX XXXX XXXX where they try to get ppl to buy a {$25.00} product, and then phish for more information. The other seems like the regular websites. They also deceive users into thinking the sites are the same ( they are not, the log in info is different, you can't use the same credentials on both sites ) and XXXX XXXX results produces the " ads '' result first so it tricks users into clicking that first. 

Details : I XXXX 'd " Transunion '' in the search bar. 

XXXX returned two results as you can see from the image ( https : XXXX ) The top result is an " ad ''. It goes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The bottom result in XXXX search looks the same, but it goes to a different site : XXXX XXXX : XXXX '' I clicked on the top result because it says it's the " official site '' It brings me to a marketing page ( image here : XXXX XXXX XXXX ) I clicked " Get Started Now '' I brought me to another page to sign up ( image here : XXXX XXXX XXXX  ) I am already a user, ( or so I think ) so I click " Login Now '' This brings me to XXXX XXXX XXXX which looks like XXXX XXXX XXXX XXXX XXXX' I log in and it brings me to a home page that is basically trying to upsell me to buy a {$25.00} product https XXXX XXXX XXXX XXXX XXXX They also have a Profile section and other sections to try and get you to fill in personal information about yourself so they can collect it XXXX XXXX XXXX XXXX  Additionally, if you login on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the credentials dont match the credentials for username and pw for the marketing site XXXX XXXX XXXX 

It looks like theres precedent here with Transunion in the past : hXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bass & Associates, P.C., Attorneys at Law
State: GA

Complaint narrative:
Recently I have received several calls on my XXXX device from Bass & Associate asking to speak to my XXXX mother. I communicated that I am her POA and can speak with them about this issue. They refuse to talk with me and I asked them how did they get this number. I communicated to both representatives that my mother is an XXXX XXXX living on a fixed income, social security, which is barely enough to pay her monthly expenses. They are attempting to harass her about a debt that she does not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information of any adverse item/s of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacurate.

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 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC
State: WA

Complaint narrative:
Orion Capital Solutions, calling from XXXX ( XXXX ) XXXX but stated to call them back at XXXX. From the comments Ive read it sounds like this company needs to be shut down immediately. I do not know who they are looking for but a quick XXXX of their phone number would let anyone know that persons business ( illegal ). Violations of the FDCPA for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX have improperly re-aged an account on my credit report to XX/XX/XXXX, have continued to report it past 7 years since Date of First Delinquincy, and I have suffered damages in my attempt to get a mortgage after inaccurate reporting reduce my credit score. 

A closed and paid derogatory XXXX account ending in XXXX was disputed by me in XX/XX/XXXX as too old since Date of First Delinquincy and XXXX alleged the information was accurate and still reportable. In the attachment you can see that the payment history for XXXX is vacant and unreported even though XXXX claims the date of first delinquency was XX/XX/XXXX. The actual date of first delinquency was in XXXX of XXXX. 

Instead of leaving the line as it was, Equifax and XXXX alleged the line was validated and then re-aged the line as new delinquency at the end of the dispute ( see attached new reporting date ), which resulted in a XXXX point drop in my Fico Score XXXX ( see attached score alert ). 

The decrease to my Fico XXXX score ( which happened solely due to the re-aging of the XXXX line after the dispute ) resulted in higher interest rates for a mortgage loan I applied for, another score drop for an inquiry, and a resulting higher loan payment for the new loan I applied for. I, therefore, suffered damages for which I am consulting legal advice. 

I am requesting that Equifax and XXXX delete the line which is now 7 years past Date of First Delinquency and is being reported in violation of the FCRA limitation on derogatory reporting, or alternatively restore the prior version of the report by XXXX which existed prior to XX/XX/XXXX, with complete and accurate payment history since the loan was established in XXXX. 

I have again disputed these two matters directly with Equifax Dispute Center, confirmation number XXXX, and I expect Equifax and XXXX to now take the time to review my dispute by looking at the payment history and reviewing the accuracy of this line on my report, instead of just copying and pasting the claim of valid reporting by XXXX. 

I am hoping the CFPB process can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.

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 2022-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX bankruptcies showing on my credit report XXXX  XXXX XXXX XXXX XXXX This information was disputed with Experian on XX/XX/2022 Experian says that they verified this information with XXXX on XX/XX/2022 XXXX XXXX does not have any Bankruptcy information on Me showing in my XXXX consumer report. I have attached a copy of my XXXX consumer report dated XX/XX/2022

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 2022-04-26 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: OH

Complaint narrative:
Inquiries XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, ... ... ... ... ... ... ... ... ... Account XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX {$190.00} Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
* I am advising that these listed inquires e removed from my credit report XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent *Personal Name : XXXX XXXX XXXX XXXX. 
*Correct Address : XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX *Account Name : XXXX XXXX Account number : XXXX, *Account name : XXXX XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXAccount name : U S DEPT OF EDXXXX, Account XXXX *Account name : XXXX XXXX  Account number : 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B

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