vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023 I purchased a car unit from a company in NY called XXXX The car unit was very low quality and did not operate as advertised by the company. I called the company and requested a return. They sent me a return order with the details. I returned the item exactly how they wanted. I paid for the shipping myself. According to USPS, the item was delivered back to them and received by an individual that went by " XXXX XXXX  ''. The tracking number ( XXXX ) was provided to the company and they said I would receive a refund within the next 24 hours but never did. 
At that point, I went to CHASE and requested my money back by disputing the transaction. I provided CHASE with proof that the item was delivered back to the company ( Merchant ) and was signed by an individual that went by XXXX XXXX ( The company name ). CHASE provided me with credit but then, later on, called me to provide more proof that I sent the item back. I told them I have already submitted an official printout from USPS and a conversation I had with the company where they said they would provide a refund but never did. The CHASE Rep said they would investigate and send a letter.

I had no doubt this was settled since I had paid USPS for a signed delivery and the delivery was made to the exact company it was meant to be delivered for. 
However, CHASE Member Services sent me a letter saying they are removing the credit because of the merchant 's claim that they never received the item. EVEN THOUGH I SENT CHASE EVERYTHING THAT SHOWS THE MERCHANT 'S CLAIM TO BE FALSE. I will attach all the documents here to whoever will be reviewing this. FOR THE BIGGEST BANK IN XXXX TO MAKE SUCH A SIMPLE MATTER SO COMPLICATED IS BEYOND INEXCUSABLE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 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: UT

Complaint narrative:
Equifax pretends to address disputes sent on this platform, then tells the CFPB that they checked with the creditor but in reality never did. Instead they send the attached letters numerous times, continue to report the same errors on my credit, when I run them on the XXXX of each month. I submit proof in the complaints in black and white, with highlights on them, hand written and typed notes explaining what I'm seeing etc., yet they still submit fake answers to the CFPB complaints to adhere to some time line they're given. All LIES in their responses to the CFPB just to close the complaints and try to get rid of me. It won't work and I won't be gotten rid of easily. It is time to sue this corrupt company. This letter pertains to complaint # XXXX. This letter really tells the CFPB they never acknowledged my complaint nor contacted the creditors. They didn't acknowledge any errors they've made on the dates on any of my accounts, nor did they actually acknowledge that they continue to report them all as opened and in use in the year 2023, and state " pays as agreed '' when that indicates the account is still open, when it's been closed for many, many years! In many cases they're about to fall off this year and next. They're not honoring the disputes, that needs to be noticed and CFPB needs to step in now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: FL

Complaint narrative:
i found these following hard inquiries that i did not approve of XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.

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 2023-06-11 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
please read my letter attached below. I recently pulled my chex systems report after a denial, and I see some information on here that I do not recgonize. Thank you for your assistance in this matter.

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 2023-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Higher Level Processing
State: UT

Complaint narrative:
I was approximately contacted by Higher Level Processing Inc. sometime in XXXX XXXX XXXX. I was told that I good pay like {$1500.00} total ( give or take ) and my student loans would be wiped off my credit. I asked SEVERAL times about the credit and the {$1500.00} and was told the same thing every time. I have since stopped my payments as they won't listen to me when I say I want to cancel or discontinue their service as I have found that they are not allowed to do this according to law. I have asked for all my money back and they have refused. I have checked the XXXX  and they are NOT accredited and have SEVERAL complaints. I have the email that they sent me on ALL the charges. I am asking for every bit of it to be returned. I am also going to state that they got into my student loan account and changed my password and my address to their address located at the bottom of the email. I also received a TON of emails and texts asking me to update my payment method to continue even though they sent me an email saying that I was so no longer with them. The total amount taken before I stopped payments was : {$1500.00}, all of which I want returned. 

Any further questions regarding your membership fee of {$35.00}, please call Billing direct line XXXX. 
Any questions regarding your loans, or forgiveness program, contact Customer Service direct XXXX. 

Date Due Pmt # Amount Type XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee Billing Department Higher Level Processing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX T : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 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: FL

Complaint narrative:
i found these following hard inquiries that i did not approve of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.

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 2023-06-11 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: FL

Complaint narrative:
i found these following hard inquiries that i did not approve of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: LCI Acquisition Inc.
State: AL

Complaint narrative:
In XX/XX/2023 I requested from XXXX a method of verification of the bankruptcies I disputed and there were two resources that they receive their information from. XXXX XXXX and a Company called XXXX ( XXXX XXXX XXXX XXXX XXXX has no bankruptcies on my consumer report, but XXXX claims to have some information. In the investigation of the method of verification, XXXX contacted me stating that they are a furnisher and provides bankruptcies information to XXXX. I have disputed the information, based on Rule 9037 Privacy Protection for Filings made with the courts. ( a ) Redacting Filing. A Court ONLY ( 1 ) the last four digits of the social security number and tax-payer-identification number ( 2 ) the year of the individual 's birth ( 3 ) the minor 's initials and ( 4 ) the last four digit of the financial-account number. With this Rule 9037 Privacy Protection, there is no way that it can be verified to be mines. This is also a violation against the XXXX reporting standard. XXXX does not have a Permissible Purpose to obtain or transfer personal information to any CRA. Incomplete and unable to verify " Originating Source ''. This has been a hinder in my life and I am standing up to demand my life back. To buy me a home, to have lower interest rates. This is a violation and has been damaging my reputation and also other consumers for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: VA

Complaint narrative:
Equifax did not investigate an account showing on my credit report properly. 
On XX/XX/2023 I disputed an account that is not mines, reference # XXXX Equifax never investigated the account ; the results were sent back on XX/XX/2023 as verified without any investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named XXXX. XXXX claims that Jefferson Capital Systems , LLC is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX XXXX  already dealing with enough mental health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed outdated and incorrect information on my consumer report recently. I was doing some financial " house cleaning '' and realized I had old addresses, misspelled middle names, incorrect last names, and incorrect placement of my names. I called the experian fraud department to dispute this along with some fraudulent inquiries and the representative on the phone did not allow me to have MY information updated. I was told that there would be an " investigation ''. But when it came back I was told that everything had been " verified '' as accurate and complete. Well that has to be impossible because ; 1, my information was used to verify " ME '' without " ME! '' ( identity theft ) and also, it has caused financial damages to my being able to afford opportunities to live in better areas and my personal character and credibility has suffered because of this inaccurate information.

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 2023-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/2023 I was making a purchase for a couch and I had to do it in bits on CashApp. XXXX XXXX $ XXXX got and received 5 transactions from me in the amounts of : {$110.00}, {$150.00}, {$150.00}, {$180.00} and {$380.00}. When we paid the last amount I was blocked on XXXX where I was buying the couch and I tried to get a refund but it was declined. I reported it through the CashApp support as a scam as they have that option and was told that because the payment was completed that they can't cancel it and get it back. My question to them is why do they have that it is a scam then? Clearly, I could have cancelled the payment myself if I knew it was a scam. I have gone through support several times. I also made the same mistake not knowing but on the XXXX and XXXX of XXXX I was working with a XXXX XXXX $ XXXX for a table set. Again it was on XXXX on the marketplace like the other. XXXX received 3 transactions in the amounts of : {$190.00}, {$330.00} and {$210.00}. Once again the refund was declined and I was blocked on XXXX. I was scammed and have learned a HUGE lesson. I will NOT be duped though, however, by a company who has a spot to complain that something is a scam and then not be worried about getting money back. This company is not any better than the scammers out there who take money from innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
1

5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an
d no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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 Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2023-06-11 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 Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-06-11 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: GA

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. 

1.XXXX XXXX ACCOUNT XXXX XXXX has violated my rights. 
2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
3.XXXX  XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX  has violated my rights. 
6.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person 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 2023-06-11 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: DE

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However They stated everything was complete And accurate But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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 agencies can make any consumer reports 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief