vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 disputed a charge with Chase for a hotel room that was slum at the XXXX XXXX XXXX XX/XX/2022 for a family reunion. The pictures on the internet did not match the room they gave us for 4 people. Carpet filthy, broken lights, filthy bathroom, room too small to accommodate 4 people. I informed Chase I had pictures so they could compare our room to what posted on the internet, but they said it wasn't necessary. I spent a whole day looking for another hotel during peak season, not to mention, they ruined our family reunion.

I called Chase 1 week after this event happened and the agent did say they would support me with the dispute and that there would not be an issue doing a chargeback. This was a recorded call.

Several weeks later, no chargeback. When I called, Chase said there wasn't a claim and that I was 7 days past reporting. I asked them to find the recorded message for when I initially called and they would not come up with that. 
I escalated to my account XXXX, who managed to reopen the case. Chase again denied it and would only offer me {$100.00} out of the {$340.00} disputed amount. I accepted the {$100.00} on the premise that this is not a settlement for the dispute.

Chase was horrible to deal with REGARDLESS of the several years I have been a customer with them with no issues.

Chase has no ethics and horrible customer service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: OK

Complaint narrative:
These accounts below are reporting inaccurately. They have been reporting inaccurately for the past 4 months. XXXX has did multiple investigations, provided documentation of their investigations, and the accounts are still reporting inaccurately and illegally. By law if there is any discrepancy in accuracy or evidence of inaccuracy the accounts SHALL BE REMOVED by law. 

XXXX : Account number : XXXX is reporting derogatory when the payment history shows its in GOOD STANDING. Needs to be deleted. 

XXXX XXXX  : Account number # XXXX is reporting derogatory when the payment history shows it is in GOOD STANDING. Needs to be deleted. 

XXXX XXXXXXXX XXXX  : Account number XXXX is reporting derogatory when the payment history shows it is in GOOD STANDING. Needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
Recently found unproven information on my credit report from Continental Finance Company. When I spoke with the credit bureaus, they verified that they never spoke to anyone at Continental Finance regarding information related to this account. This means the company lied when they claimed to have " verified '' the account. See attached demand letter.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
Concerned parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  moved out of XXXX XXXX XXXX  My lease ended XX/XX/XXXX. I paid the lease through XX/XX/XXXX as required. 

XX/XX/XXXX they sent me a moveout bill {$400.00} which included a charge that I disputed over resurfacing a bathtub that had already been in disrepair before I moved in. After exchanging emails, they agreed to drop the tub resurface charge and changed the amount due to {$200.00} XX/XX/XXXX I paid {$200.00} as requested ( attached ) and considered the issue done. 
XX/XX/XXXX I received a collections letter from IQ Data ( attached ) dated XX/XX/XXXX saying that I owed XXXX the original amount {$400.00}. 

This is becoming a nightmare that I can not get rid of. I contacted the office and exchanged emails with XXXX XXXX who wrote : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good Afternoon, The collections account has been on hold. We have sent your ledger to show good standing, the agency will cancel the charges once reviewed. 

Please let us know if you have further questions. 
Cheers, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX I contacted IQ-Data ( XXXX ) XXXX about my account and they said they have had no contact from XXXX ( XXXX XXXX XXXX XXXX and still show me as a deadbeat. 

I don't know who to complain about or what to do. I can not get a call back from XXXX and IQ-Data will not work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I did not apply for any credit cards, and had hard inquiries on the following : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a " XXXX XXXX '' branded XXXX credit card provided by Comenity bank. I use this card monthly for purchases and pay the balance in full. According the marketing and terms of the card, " points '' should be accumulated when purchases are made. These points can be redeemed for rewards, Sony purchases, etc. On XX/XX/XXXX I received an email from the company stating that " were working hard to fix the rewards issues caused by our recent system update '' - I examined my account and noted that no points were accumulating despite eligible purchases being made on a monthly basis. After several months of waiting, I contacted the company on XX/XX/XXXX via their messaging center and notified them that points were still not accumulating. They requested that I contact the " XXXX XXXX team at XXXX '' and when I did so on XX/XX/XXXX, the representative I spoke with confirmed that my account was in a broken state because " XXXX accounts exist in our system and they aren't linked. '' She confirmed this is not something I caused or could resolve, and that she would escalate my case for resolution in XXXX weeks. Because the issue was not resolved, I called again on XX/XX/XXXX. Again the rep stated the issue needed to be handled by their " XXXX  department '', sent me an email with a case number, and estimated " a couple of weeks '' for resolution. Noting that the problem had still not been resolved, I contacted XXXX again on XX/XX/XXXX. Again I was told " we will send this to our XXXX  department, please wait XXXX weeks '' - I do not believe the company will ever make good on its promise and would like assistance in reaching a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AL

Complaint narrative:
I am an XXXX Driver. I recently moved to another state and requested that XXXX change my location which they did. I submitted all my documentation and they ran a background check using a third party provider which is CheckR. 
They informed me that I was ineligible XXXX XXXX because of either a pending XXXX XXXX or XXXX. I reached out to both XXXX and Checkr numerous times notifying them that the information was incorrect. I have never been charged or arrested for anything. I requested a detailed copy of the report from Checkr as I know I am entitled to see what is on it. Checkr is sending me only a brief summary of the report and not giving me the full report listing the charges making it impossible to dispute the information on the report. I did speak to attorney who told me to get the full report from Checkr so that we can dispute the incorrect information they are reporting. 

Please see the supporting documents that I have attached. You can contact me through, phone, text or email with any questions. 

Thank you for your help and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: MO

Complaint narrative:
For years I fought against collections from a XXXX XXXX XXXX XXXX, claiming they have accounts from XXXX for years I did not visit the hospital. The reputation of the doctors incompetence, as well as the overcharging XXXX does keep me away, and instead I visit local clinics and pay for my visit the same day. I have not had any significant medical issues since I was XXXX, and hit by a vehicle. That was the last time I would go to that hospital, except for with others when they would go. 

My issue is that both XXXX and XXXX took this information, found the investigation in my favor that the company could not furnish proof that it wasnt identity theft. I took this information to Experian. Using my other credit reports to show that they had been removed, the dispute results from both XXXX and XXXX, and tried to fight this collection on my Experian. Experian investigated one account out of two, and labeled to other as correct and refuses to take any more information or change their decision.

Essentially they looked at the two accounts from the same company and said one could be removed, but didnt at all bother with the second investigation. I never received information about the dispute in progress other than for the account that was removed.

I also want to add that I could not dispute them online when I started this process. I had to call and speak to a representative, and I believe that he did not enter my dispute in correctly then.

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 2023-02-07 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
In accordance with the fair credit reporting act JPMCB Card Services has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. In 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This creditor falsely reported late payments after taking payment in XXXX, XXXX, and XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 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: TX

Complaint narrative:
On XX/XX/XXXX I paid {$990.00}. on my Chase Visa card to XXXX XXXX XXXX for a tour to take place XX/XX/XXXX. 
XXXX XXXX XXXX sent email saying theyre going out of business. I immediately filed a claim with Chase attempting to get my money back. Their response was too bad but no because too much time elapsed since purchase. I appealed the decision to the Executive office last month. I received a voice mail response again saying no sorry cant help you. 
Meanwhile in XX/XX/XXXX I received a XXXX report saying the company is insolvent. 
There is a significant on-line presence of other travelers also pursuing refunds from their credit card companies. Some of these folks are receiving a credit from Chase and I want to be one of them! 
Please help me get my {$990.00}. back from Chase Bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
To ensure that the non-creditor report only 100  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 

12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) ( 2 ) The term debt collector excludes : ( i ) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name ; ( ii ) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS never does the right thing by the customer.

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