vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I requested the credit bureaus ( XXXX, Equifax and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, Equifax, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( Equifax : XXXX, XXXX : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, Equifax, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

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

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

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

In accordance with the Fair Credit Reporting Act, XXXX 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 company can not furnish an account my without my instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I requested the credit bureaus ( Experian, XXXX and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, XXXX, and Experian about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, Experian : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that Experian, XXXX, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

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

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

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

In accordance with the Fair Credit Reporting Act, XXXX 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 company can not furnish an account my without my instructions or consent.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I opened an account with XXXX in XXXX of last year when I purchased multiple electronic devices including a new mobile phone and smartwatch. 

When I signed up for my account, I was advised that financing would be offered via XXXX. However, I always received an error when I tried browsing to that site. I was never provided clear instructions on how to make my payments, nor was I given fair notice that I was being delinquent and at risk of being reported. It was not until after a missed payment report to the credit bureaus was filed that I was finally contacted and advised to make payments via XXXX. 

I have called and emailed both XXXX and the TDBank-sponsored financiers regarding this issue and requested that they retract the delinquent report, but keep getting nowhere. My last call today basically told me they can not /will not help. My credit history had an impeccable record until this single, unfortunate incident, which has caused my average score to drop almost XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX of XXXX, I refinanced my home mortgage with Chase ; I had a 30 years fixed and changed to a 15 years fixed. 
It got approved and I scheduled automatic payments twice a month, on the XXXX and XXXX of each month. I discussed this with the mortgage specialists XXXX XXXX and XXXX XXXX. 
After a couple of months of payments, I noticed in the mortgage statement that I owed more than what I should. Please note that the statements do not disclose what the different items are about. It's only received by email, and with a final amount to pay. 
I asked them what was that number about since it was way more than what I should be paying and received an explanation in writing that didn't properly explained the problem. ( see email XXXX ) After 2 years, and always paying under automatic payments, I looked for another mortgage broker looking to purchase a new house, and she makes me notice of a debt that I've been accumulating with Chase. 
I called the bank to understand what was it about, and no one could properly explain me the reasons, it escalated until a supervisor noticed that I've been charged with late payments since the first month, since my second scheduled payment was on the XXXX and not the XXXX, which was the deadline to avoid interest charges for late fees. 
I complained about this, since I've never received a notice of late payments, neither a clear disclosure in the statements. It's outrageous. 
The supervisor initially agreed with me and removed the late fees for only 2 months and told me that will escalate this issue for further authorization. It was denied and now, after 2 years, I owe the bank {$3700.00} in late fee charges. 
It's not acceptable under any concept. I'm being charged with a 5 % late fee each month since the beginning of the loan for the whole monthly payment. 
I hope you can help me with this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have an Apple Card through Goldman Sachs. I have only had this card for a few months. Last week I started getting text notifications about fraudulent activity on my card. There were a total of 10 charges to various companies on Saturday, so when I called, I explained I did not make any of these charges ( many looked to be overseas ), and they had not allowed them. 

What has me gravely concerned is that once they changed my card number, 14 more charges came in on the new card number and I had not even so much as recorded the new card number. Fortunately, I had locked the new card number on my " physical '' card, however, I did not know how to lock it on my digital card number. I have also checked the box for " additional fraud protection '' which means I have a rolling security code. Still, there are criminals charging to the card. 

I believe there is a major security breech, and that this needs to be investigated. At this time, I have locked my card and explained to them that I will not be using it for anything. However, a security breech could affect all my personal information so I believe I'm at risk of other fraud attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Debt not validated and as such should be deleted XXXX XXXX XXXX  Original creditor : XXXX BANK Balance {$5400.00} Balance updated XX/XX/2022 Original balance {$5400.00} Wrong dates and as such should be deleted off my 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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to use my card at XXXX XXXX for {$500.00}. In the process of the transaction merchant states did not go through or kicked back if a issue will refund. On XX/XX/XXXX got a call from PNC about the transaction as possible fraud. also spoke to the bank they advise if the merchant did not collect it will fall of. On XX/XX/XXXX the transaction posted to the account I filed a dispute that no services was exchange merchant did not get money and I am out of money. Callback the next day agent advises at PNC that the previous agent did it wrong. Contacted XXXX XXXX XXXX  to see if they can possibly credit it back because that would be faster. on XXXX and XXXX spoke to PNC was told document sent out why I cant receive digitally is beyond me. Agent advised information I should send in I send email to dispute for pnc on XXXX. On XXXX message pnc they said the issue is escalated and some will contact me in 24 hours. It is now XXXX no calls I have call everyday. Im going back between outlaw bailbonds who claims PNC rejected the credit and PNC not responding so I don't know whats going on because no one returns my calls and I am out of {$500.00} with no return call or care in the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WV

Complaint narrative:
On XXXX XX/XX/2022, I called Edfinancial customer service to request a refund for the amount I paid since the payment pause began. I was told there would be a 150-business-day waiting period for my refund to be processed. This is unacceptable, especially when other loan servicers are not subjecting their clients to such delays. 

On XXXX XX/XX/2022, I called again to check on the status of my refund. I was now told that no timeline could be provided for my refund. This is also unacceptable. I asked to be sent a confirmation email to verify that my request was submitted and was told that it would take at least 12 business days to receive an email. Edfinancial is not providing timely customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a survey request titled " Chase in Partner with XXXX XXXX '' offering me a {$10.00} XXXX XXXX XXXX if I complete a quick survey to help Chase better understand my banking needs. 

Since this sounded potentially legit, I contacted Chase via secure message to ask if it was indeed legit. I received a secure message in response dated XX/XX/22 from Chase customer service agent XXXX confirming that the survey request I received was indeed legitimate. 

Based on that information, I took the survey, and within several hours I began receiving a barrage of SPAM and phishing emails that continue to this day. Previously I received very little junk email. Worse yet, the bad guys have begun targeting my computer with XXXX attempts that my antivirus software continues to block. Since responding to this quasi-Chase survey, I've received XXXX ransomware attempts in the span of just a few days. 

What's even worse? Chase customer service agents continue to respond to my subsequent secure messages re-stating that the survey I received was legitimate, telling my to respond to the contact address in the survey I received to inquire about my XXXX XXXX XXXX. I emailed that address and received no response. 

Also important is the fact that although I completed the survey based on Chase 's confirmation that it was legitimate, I receive a second survey request from the same parties reminding me to take the survey. Chase also claimed in secure emails that I was notified in my online account that I would be receiving a survey from XXXX XXXX, however my privacy choices with Chase precluded such an email ( see attached screenshot ). 

On XX/XX/22, I received a phone call from XXXX XXXX at the Chase Executive Offices explaining that she received my concern and was looking into the survey issue to determine if it was indeed legitimate. I followed up with XXXX a week later and she told me I had to be patient while she reviewed the issue. After not hearing from her, I followed up with her again on Tuesday, XXXX and have not received a reply. 

In the meantime my email and computer continue to be targeted with SPAM, phishing and ransomeware attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/22 I accidentally transferred {$7000.00} dollars from my Wells Fargo Checking account using Online Bill Pay to an old/closed credit card with XXXX XXXX XXXX XXXX This card has not been used in >8 years ( maybe more ). Per XXXX XXXX XXXX they have not received the money since the credit card has been long closed, and there is no accompanying bank account associated with the credit card. I have spent hours on the phone with Wells Fargo talking to low-level call center employees who tell me that they have to " research '' the issue. However, it has now been XXXX month and Wells Fargo has not returned the money to my account. They are unable/unwilling to give me a receipt or any other proof that the money was indeed sent to and received by 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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Similar to an unknown XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me about an unknown cable account. I've had these items removed previous and they change up the creditor name and amount to re-report and attempt to collect. I've called the number listed on my report and the numbers are disconnected. 
IC SystemsXXXX is one that's been removed from my report after informing XXXX of fraud/identity theft. It was removed back in 2020.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts, XXXX, XXXX XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX  XXXX XXXX Account # : 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 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 EXPERIAN 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 XXXXXXXX Real Estate and Public Accommodation :

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: TX

Complaint narrative:
I have sent dispute letters to each bureau to have IQ Data Int ( original creditor : XXXX XXXX XXXX XXXX TX ) in the amount of {$13000.00} reporting to XXXX, XXXX and XXXX Removed immediately. The dates do not match up which is a violation. It has been more than 30 days and bureau has not responded with my results. I would like to have this collection removed immediately

Company response to consumer: Closed with explanation