vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was recently polishing up my credit to try and purchase a house. I had filed bankruptcy in XX/XX/XXXX and dismissed said bankruptcy in XX/XX/XXXX. Upon viewing my recent credit report, I was made aware of some charge offs that I needed to pay off. Chase was one of the accounts I needed to pay off. I contacted Chase using the number given to me on my credit report. Amount showing owed on all 3 credit bureaus is {$3000.00}. I first contacted Chase on XX/XX/XXXX and spoke with a customer service rep who explained to me that the the account was closed in XXXX and they are no longer actively collecting on this account. I asked to be transferred to the charge off/recovery dept. I got transferred to several depts and finally spoke to a gentlemen that told me I needed to speak to the bankruptcy department. I explained to him that Chase never filed to receive bankruptcy money and that the account according to them was charged off before my bankruptcy. That department was closed because it was XXXX XXXX XXXX I then called the following day XX/XX/XXXX. The bankruptcy dept said the account was not flagged bankruptcy so they transferred me back to the charge off dept. I spoke with a gentleman that said I could not pay on this account. I explained that is showing up on my credit report as a balance owed and also as late. On all 3 credit bureaus it is also showing late payments all through my bankruptcy through XX/XX/XXXX because I originally attempted to dispute it through the credit bureaus. He said maam there is nothing we can do for you. I then called on XX/XX/XXXX to see if I could get a letter stating that they are no longer actively collecting on this account. She attempted and said she could not but they were gon na update my account and I needed to call back in XXXX hours but not over the weekend. I called XX/XX/XXXX to attempt to get the letter. I spoke with customer service rep. I have a recording of the conversation. She said that I needed to fax a letter to Chases communication dept and they may be able to draft a letter for this special circumstance but I could pay no money to decrease the balance owed. I have not heard anymore from them. I attempted to file an arbitration with them but they have not answered my complaint from XX/XX/XXXX. I just applied for an apartment and was denied because of chase charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
Experian and XXXX Documents Enclosed

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 2022-09-13 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Hello, Ive contacted Early Warning LLC to get my data report as Ive been denied several account openings because of their report. I submitted the request for report on XX/XX/22 and have not received any communication from Early Warning. The means to go about requesting the report online is clearly designed to deter submissions, and theres nothing in place to communicate if your submission was ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXX Transunion - account verified XXXX  - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I responded to an online offer on the XXXX XXXX website ( XXXX ) for a new CitiBank AAdvantage card Platium Select with " XXXX bonus miles with {$3500.00} spent in the first 4 months. '' I achieved the {$3500.00} spent on XX/XX/XXXX. I was put in the " XXXX bonus miles with {$2500.00} spent in first 3 months. I contacted XXXX XXXX, customer service supervisor of XXXX XXXX and she identified this error and said that Citi Bank would need to correct it. After speaking with XXXX on the Citi customer service line XXXX XXXX, XXXX, he agreed that I was placed in the incorrect plan. He gave me an email address to send the timestamped screenshot I have of the offer I responded to. I did this. I also spoke with XXXX, CitiBank supervisor on XXXX XXXX and she gave me an additonal email address to send a jpg of the screenshot etc. ( XXXX ). I did so. Today XX/XX/XXXX I received a USPS letter ( in response to my XX/XX/XXXX email to them ) stating I was ineligible for the offer because I was sent an account opening email with the offer restated. I have 3 emails from them NONE restate the offer! 

I have since learned that this has been going on with CitiBank XXXX XXXX Advantage card since at least 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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX I started dating a person who totally took advantage of me, only got close to me to have access to all my personal belongings and information etcetera etcetera. 
First incident occured wen he misled me n took about XXXX cash from me to use to purchase a car from his friend that works at a tow yard, he bought a car but never gave me access, and tries to make me believe a story that's different from what was originally agreed upon, so meanwhile had no access to car, less funds he brakes my phone, making it impossible for me to access financial information like 2 step verification to access these accounts, I then forgot my broken phone in his car, which I let him know I need in order to answer a verification code call that I can answer n press whatever numeric key they asking me to press, if I'm able to guess the position of the keys on my backed out cracked screen, anyway he then I'm guessing took it in to his own XXXX to log in from dif dev, wait for verification call, n successfully using the info I gave him regarding accessing phone with broken screen, so then wen I finally got a replacement device I noticed XXXX XXXX dollars missing as well as some uathoeized transactiona, I confronted him about it he totally denied it, but that was red flag number 1, then he stole a truck I bought off of my friend that I was hiding in garage for that specific reason, then truck was gone he was gone n in the middle of it all an acquaintance stopped by, I was in the midst of looking for a vehicle since I had just received a check from insurance for a car accident that occured back in XX/XX/XXXX, I then found a car, n wasn't able to withdraw all funds at once so I let an acquaintance play with my phone as he seems to be genuinely interested in helping me find a solution, but Instead he send over funds to his cash app I demanded my funds back n asked him why he did that n said he didn't know how to read or write n that it was an accident, didn't get funds back tried reaching out to cash app XXXX XXXX n denied my claim for both disputes of unsthotized fraudulent activity going on during those really hard times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Orion Portfolio Services, LLC
State: MS

Complaint narrative:
I keep receiving emails from someone named XXXX XXXX, XXXX XXXX and XXXX XXXX. They send email saying that they are with Orion Portfolio Services , LLC and that I have a XXXX account with them. They are also asking me to pay a past due amount which is untrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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 been speaking with Transunion for over 5 months now. I have disputed a XXXX  XXXX Bankruptcy that was removed from public records and should have been removed from credit report. Each time I speak with Transunion and dispute it they say it came back verified and accurate through XXXX. I advised them that XXXX sent me a letter showing bankruptcy was not verified and removed. I also sent them a letter from XXXX providing them the information that they requested. I even had them on a 3 -way call with XXXX and the rep confirmed that there was not a bankruptcy through public records and was removed. There was also another account with XXXX XXXX XXXX who was reporting inaccurate information. I spoke with creditor and they advised me that they are not able to change status and that reporting agency would need to remove it. I called Transunion and spoke with them regarding issue. From there they disputed it and came back with verified and accurate which was no accurate. I have given them proof item needed to be removed and has not been updated. They continue to keep information on report that should be removed. This is my last attempt to have them remove the account if not then I will seek legal action.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This account was reported on my credit file XX/XX/2022 The amount is XXXX. 
I have disputed this information, and nothing changed from the disputed. This is not my account. 
Procollect INC. is the company.

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 2022-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
Optum bank charged my account for {$100.00} on 3 seperate occaisions. XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then teice for {$200.00} on XX/XX/2022 and XX/XX/2022. Ive filed disputes with them to no avail.

Company response to consumer: Closed with explanation