vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened a checking account with Chase on XX/XX/2021, and initiated a transfer of {$1000.00} from my primary bank ( XXXX XXXX ) to the newly opened Chase Checking account in order to properly fund the account. By the next day, I was locked out of my account ; I could not sign into my Chase checking account/my Chase Amazon Prime credit card. I have owned an Amazon Chase credit card for two years with Chase and have been paying it off with the same People 's account that I used to fund the Chase checking account. The XXXX XXXX account was already verified through Chase for years and that status was active. However, the transaction was cancelled and I was locked out of my account. 30 minutes late of phone calls and all I was told was do not use XXXX XXXX ever again to fund your checking account because " we could not get a hold of them over the phone to verify your fund. '' That is insane! I use that account to pay off my CHASE credit card ; it is already verified! This should NOT have happened. Absolute waste of my time to sort out this unnecessary mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: DISCOVER BANK
State: NY

Complaint narrative:
i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
Second Round LP was removed off my credit and not the credit bureaus have put it back on my credit. The original loan from 2012 was found to be in error. It was entire amount was removed by XXXX. This 2nd collection company put the interest on my credit report. that was subsequently removed now it reappeared on my credit. Again, I feel targeted by the credit bureaus. They refused to follow FCRA compliance initiatives and violate my rights as a consumer. The amount placed back on my credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my XXXX and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.

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 2021-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: VA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX 3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) 5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2021, I signed up for Experian 's credit monitoring service for $ XXXX and was not allowed to dispute my credit information online. I tried to dispute online several ways, and was repeatedly given a message that Experian would not process online disputes, due to " security issues. '' I called Experian twice to request that they enable online dispute of incorrect credit information on my credit report, and both times their phone tree hung up on me. When I finally did reach a service representative, he did not know why Experian 's online dispute function was not working, and he had no interest in finding out. 

I believe that Experian has intentionally disabled its online dispute mechanism to cut down the number of disputes. I believe this because when I XXXX " why won't experian dispute online '' I found many comments from consumers who were frustrated with Experian 's refusal to allow online disputes. There are multiple errors in the personal information in my Experian credit report. With XXXX and XXXX, I was easily able to dispute information online. I am asking the CFPB to hold Experian accountable, and make it easy to dispute information online.

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 2021-03-10 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: CA

Complaint narrative:
Upon reviewing my Equifax Credit Report I noticed a hard inquiry for XXXX XXXX XXXX XXXX XXXX which I did not authorize or was aware of. 

Inquiry Date : XX/XX/2020 Company XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To whom it may concern I purchased a vehicle about 2 years ago and ally is the bank that finance the vehicle. In the beginning everything was fine until about 5 months ago. Almost every payment i make ally returned the money to my bank account. When I contacted my personal bank they told me the error is not coming from their end that its coming from ally. A couple days ago I tried to make the payment again, while the payment is pending ally reposes the vehicle. I called them to tried to get the vehicle back they told me I have to pay the full amount of the full loan to get the vehicle back. Which doesnt make no sense and the error wasnt coming from me. I want to know if theres anything you guys can do to help me because I would hate for this to go on 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 2021-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has not responded to none of my disputes. I wrote to them requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was delivered. I asked for a investigation to remove accounts that are Inaccurate. This is affecting me from purchasing a home and is upsetting. I have not received a reply from you or any acknowledgment that an investigation has begun. I am requesting for you to delete these accounts immediately from my credit file. I sent my dispute letter on XX/XX/XXXX and a follow up letter on XX/XX/XXXX so this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now on day 45 people! Again, please DELETE these inaccurate items from my credit file, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
TransUnion is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. TransUnion received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of TransUnions violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is TransUnions first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at TransUnion who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. TransUnions illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for TransUnion as I continue my private administrative process. I hereby am giving TransUnion the chance to resolve all these issues quickly to avoid further legal liability in the near future.

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 2021-03-10 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX We contacted Wells Fargo bank in an attempt to ask for help with possibly reducing our monthly bill and getting our account on track ( we had been behind on payments ). We spoke to the customer service rep who helped us initially get into the COVID-19 program with Wells Fargo. We were able to get our monthly payment to a more manageable number. During that call we were not notified that we had to pay any past due balance. 

We followed Wells Fargo 's instructions to a T. We made our next scheduled payment on time ( In XX/XX/XXXX ). When we called to make the payment in XX/XX/XXXX were spoke to customer service again because when we went to pay the bill we saw a past due amount on the account. We called again and asked what we actually need to pay. The rep sounded confused but added that we pay the new payment amount that was agreed upon last time we spoke to Wells Fargo in XXXX. We accepted what Wells Fargo told us at that time and made our payment. Just shortly after that we were notified by our credit monitoring service that we had a negative report show up on our credit report. I saw it was from Wells Fargo and I was VERY ANGRY. We called Wells Fargo immediately and initiated an investigation into the first call. The supervisor I spoke to advised he would investigate the calls we made and listen to the recordings and then get back to me by the end of the week. We are now at least 2 weeks past that date. I wrote a letter to the Wells Fargo Executive office and advised how we had been treated by Wells Fargo and that we had not recieved any help with our situation.

I find that it was very unfair that Wells Fargo would ding us on our credit, it was not made clear to us that we would still owe a past due amount at the time of the first call. If we were made aware we definitely would have paid the past due amount at that time. I am requesting that the last 2 late payments for XXXX and XX/XX/2021 to be removed from my consumer report.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
This debt from this medical facility should have been covered due to the fact of during these times I had XXXX and XXXX which shouldve covered for this charge and I should have not been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. THIS ACCOUNT IS NOT MINE. ITS A FRAUD! 

I think somebody used my personal information and managed this item. I am simply identity theft victim. I am very sad and stressed out. Please help me and remove this item after you investigate.

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 2021-03-10 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. THIS ACCOUNT IS NOT MINE. ITS A FRAUD! 

I think somebody used my personal information and managed this item. I am simply identity theft victim. I am very sad and stressed out. Please help me and remove this item after you investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under personal information an AKA is listed as XXXX XXXX XXXX XXXX. I have never used this name or had a legal name change to add XXXX. I would like to get this removed or corrected as it is not my name. My legal name is XXXX XXXX XXXX and I use XXXX XXXX XXXX as my signature and ID name.

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 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Grant & Weber
State: CA

Complaint narrative:
Hello, This is a formal complaint against Grant and Weber. The debt collection of {$530.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Grant and Weber has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Grant and Weber has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Grant and Weber has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.

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