vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off auto loan on on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau and I have not received any valid proof regarding this debt from the credit bureaus for XXXX XXXX. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I have tried to dispute this account but remains, I would like it removed as it is not mine and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 2023-03-02 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: NY

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-02 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: NY

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
XXXX XXXX - XX/XX/2023 n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX - In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MI

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 2023-03-02 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XX/XX/2023, {$200.00}, Sequium Asset Solutions reporting inaccurate information to the credit reporting agency and this need to be remove immediately. This need to be remove from transition, XXXX and XXXX. 


There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following ; _______________ Thank you for your cooperation Sincerely______________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account has different account numbers, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. This account is illegally reporting on my reports and I am requesting that this account is deleted from my reports now!

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 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: AL

Complaint narrative:
Our mortgage was sold from Supreme Lending to XXXX XXXX, during which XXXX XXXX  suggests that Supreme never escrowed our taxes and we are in an " escrow shortage '' although when contacting the attorney who did the closing, they insist it is correct, our taxes were paid ( they have gone up significantly which we are protesting ) but the amount is insanity. From {$1200.00} to {$1500.00} is simply unlivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account has different account numbers, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. This account is illegally reporting on my reports and I am requesting that this account is deleted from my reports now!

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 2023-03-02 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: OK

Complaint narrative:
In accordance with The Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account name : XXXX XXXX XXXX account XXXX name : XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXX account XXXX name : credit management Account XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 inaccurate.

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 2023-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the Chase Bank website this morning to remit an ACH payment to a vendor. I set up the ACH payment for {$2400.00} and clicked the submit button. Rather than respond almost instantly, the transaction froze for a few seconds, and I ultimately received a message on the website indicating the ACH was successful.

Utilizing my same chase account as above, I went to remit another transaction on the Chase bank website, but my transaction did not go through, with an error message of " insufficient funds ''. I then checked the account itself and saw that Chase had submitted the ACH twice! At first, I was not concerned as the Activities Page of the website showed both the original and duplicate ACH payments ; however, the duplicate Payment showed as " Pending ''. It was my assumption that Chase had caught the error. I then called Chase bank. I spoke with at least four different people who all stated the same thing ; that is, " We can't get the money back, you have to contact the vendor ''. Even when reminded that I did not submit the duplicate Payment and same was either a technical error on behalf of the bank or otherwise was not authorized by the account holder. In short, Chase Bank 's position in these cases is that even if it is their error that caused the duplicate ACH, even if it takes weeks to get the funds returned, Chase bank has XXXX liability for the error nor cause to reimburse/Advance us the funds- they sent in error- pending receipt of the duplicate payment being returned by the vendor. This has caused a major disruption to our cash flow, and ability to professionally and adequately operate our business. The Last call at Chase bank was Call Record XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Today this bank denied me access to set up an account based on me having a balance. However, their was nom active pursuit to collect on the balance. After reviewing the statements I have taken note that my account was overdraft and that their were items that returned which caused insufficient funds fees, however there is no documentation on why those items were returned. I have gone through the statements with a fine tooth comb and their is no proof showing why the items that were returned were not covered. 

I am demanding a dispute of all charges and requesting my rights to reopen an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XX/XX/2023 I paid off the balance on my Bank of America Visa credit card and inadvertently overpaid the balance. On XX/XX/XXXX I requested a refund for the overpayment. First a representative named XXXX who refused to identify herself further behaved in an abrasive and rude manner denying me the refund i would be entitled to. Upon waiting an inordinate amount of time on a second call I spoke with XXXX XXXX ( if that is really his identification ) who insisted that if I did indeed require a refund it would take 14 days. He could not explain why I could not have my money returned within a reasonable amount of time like 24-48 hours eventhough I have held accounts there for 30 years and pay monthly fees of {$25.00} throughout that time period. I maintain I deserve prompt access to my own funds and asked what if I went to a branch requesting this money or even if I closed this account where the balance would have to be returned to me. He insisted that there was no way I could get around a minimum of 14 days and it wouldnt make a difference who I spoke with whether I maintained my accounts with BoA or not. I contend that this is fraud and it is gross mishandling/mismanagement of my money against my wishes. I wish for this to be a formal complaint against the bank and its personnel assuming they will vouch for these people. How do I get MY MONEY that is currently essentially stolen as it is being held for no reason against my wishes, back?

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 2023-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account is reporting different balances, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. It is illegal to report inaccurate information on a consumers reports and I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: MI

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 2023-03-02 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: OK

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account number: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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which andodates the report by more than 7 years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 inaccurate.

Company response to consumer: Closed with explanation