vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: UT

Complaint narrative:
Once again Experian shows the wrong dates on the XXXX XXXX XXXX XXXX credit card account for the pay off date and the same problem exists on the auto loan. They DID NOT FIX THE ISSUE BUT PUT THE DISPUTE DATES ON THE REPORT AS THE PAID DATES WHICH IS INACCURATE AND ILLEGAL! 

I've attached a page from my XXXX report showing the dates corrected on the auto loan, and the page from the Experian report with my new auto loan showing the month and year it was purchased. I have all of my loan docs to prove I traded in the XXXX auto for the XXXX XXXX XXXX and XXXX was paid off in XXXX XXXX. So XX/XX/XXXX IS NOT ACCURATE! 

If XXXX and Experian does not fix the dates on both them I am DEMANDING THE ACCOUNTS BE REMOVED ASAP! It's not rocket science to get this right! Get it right or remove it immediately! I have all of my documents including an email from XXXX showing the loan paid off! The date of the letter they sent is NOT the date it was paid off! So don't change it to that or I will go back to XXXX and force them to remove the account from my credit!

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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received an unsolicted card from Chime on XX/XX/ that was a debit card. They were somehow able to get my name and address on the card and wanted me to activate an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a checking and savings acccount with Chase after I received an offer for {$600.00} when I ( 1 ) fund the savings account with XXXX Dollars and keep it there for 90 days ; ( 2 ) Make direct deposit from employer within 90 days and. 

I made the savings deposit and I directed my employer to make direct deposit after 40 days ( I only received my checking account number and card after 2 weeks - so there was a natural delay in getting this established ). Given my payment intervals this would mean that the payment would go through 61 days or so after the account was opened. 

However, Chase closed the checking account after 60 days ( due to XXXX balance ). My direct deposit therefore didn't succeed. 

This was nowhere mentioned in the rules nor at the branch when I talked to an employee who restated the rules to me. He assured me that if I start the direct deposit then everything is fine. 

Without the account open I will not qualify for the promotion plus I spent many hours having my employer pay me after the direct deposit went nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: FL

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 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # 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 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 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 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 2023-04-09 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: Experian Information Solutions Inc.
State: FL

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 USC 1681. 

Account name : 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, 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 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 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 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 explanation
Consumer complaint received 2023-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Failed to remove the remaining accounts

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 2023-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX along with XXXX XXXX XXXX and U. S Bank are trying to steal my paid-for home. Judge XXXX XXXX XXXX is allowing this to go to trial even though my mortgage is satisfied and I overpaid on my mortgage several times. Please help me I am a victim of a case that was already handled by A.G. Schneiderman Announces {$4.00} Million Settlement With New York Foreclosure Law Firm XXXX XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX A.G. Schneiderman Announces {$4.00} XXXX Settlement With New York Foreclosure Law Firm XXXX XXXX XXXX XXXX And XXXX XXXX XXXXXXXX XX/XX/XXXX, NEW YORK - Attorney General Eric T. Schneiderman today announced an agreement with XXXX XXXX XXXX XXXX. ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX, and XXXX XXXX requiring them to pay {$4.00} million to New York State in penalties, costs, and fees, which will be used in part for programs that offer assistance to homeowners facing foreclosure or victims of predatory lending practices. The agreement stems from abuses in their foreclosure-related legal work. XXXX XXXX founder XXXX XXXX XXXX and managing partner XXXX XXXX also agreed not to represent lenders or servicers in new foreclosure-related cases for two years. Until ceasing most of its operations on or about XX/XX/XXXX, the XXXX XXXX was the largest foreclosure firm in New York State. Between XXXX and XXXX, the XXXX XXXX filed over XXXX foreclosure proceedings. It represented many of the largest servicers of residential mortgage loans, including XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. XXXX  was formed by XXXX XXXX XXXX in XXXX to handle the bulk of the XXXX XXXX highly compartmentalized foreclosure process. None of the XXXX employees were attorneys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: TX

Complaint narrative:
Failed to remove the remaining accounts

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX 2024

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 2023-04-09 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: NE

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: NE

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: NE

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
AS OF XX/XX/23 I CALLED EQUIFAX IN REGARDS TO NOT HAVING ACCESS TO MY CREDIT REPORT AND REPORTING THE CREDIT SCORE. I'M PROMPTED WITH Your Equifax credit report summary is currently unavailable. Please call our XXXX XXXX team at ( XXXX ) XXXX or try again later. I CALLED AND WAS TOLD IT WAS FIXED AND IT WASN'T I CALLED BACK AND WAS TOLD THAT A TECH WILL EMAIL WITH A TICKET TO FIX THE ISSUE. I CAN'T SEE MY REPORT! IT CONSENTLY SAY 'S We are temporarily unable to complete this request. 
Please try again later. MY CREDIT SCORE IS REPORTING WRONG AS WELL I HAD MY SCORE PULLED AND WAS GIVING THE WRONG SCORE WHICH DENIED ME A CREDIT CARD TODAY DUE TO REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: CO

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-09 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: FL

Complaint narrative:
The company JPay LLC has been illegally charged me fees on my XXXX debit card from XXXX  XXXX XXXX since XXXX. This is against the law under the federal electronic transfer fund act this is a formal complaint I'm asking that the company pay me {$1000.00} per every time that they charge me a illegal fee and in XXXX they violated the gate law when they access my department of corrections release money

Company response to consumer: Closed with explanation