vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XX/XX/XXXX I learned that XXXX had a data breach which included my SSN and personal information, so I set about securing my credit. On XX/XX/XXXX I successfully froze my credit at XXXX and XXXX. I failed to freeze my credit at Equifax because I needed to create an account, and after verifying my information they claimed additional verification via mail was needed. I received my verification code via mail XX/XX/XXXX and put it in XX/XX/XXXX, receiving a " Welcome to myEquifax '' email. I still can not log into my account on XX/XX/XXXX though, and the website directs me to contact customer service via phone. 

Calling customer service via phone XX/XX/XXXX ( admittedly an off-day for support ) requires me to go through an hour of robot dialog. I follow the prompts ( admittedly very aggrevated at this point ) and verify my personal infomation ( including SSN ) only to be told that I should seek help at myEquifax online because support staff is unavailable. All I want to do is freeze my credit, why do I need to create an account with a business which has already leaked my personal information back in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: IL

Complaint narrative:
I have sent numerous letters to XXXX, Transunion and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from XXXX, TransUnion or XXXX. I want these late payments and inquires removed because XXXX, TransUnion and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.

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 2021-10-16 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received my child tax yesterday on my chase card. I try to get money for car and I can't access it. My sister accidentally pressed the fraud column on a transfer we already did I think it was XX/XX/XXXX but I was told I can't take her to the bank and withdraw the claim I don't believe or understand how or why she can't do it inside the bank instead of waiting for fax to be received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 140 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). In addition to furnishing 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. 

On XX/XX/XXXX, I disputed the account through the credit bureau, XXXX and XXXX XXXX XXXX XXXX XXXX  responded, " Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/XXXX XXXX XXXX XXXX XXXX furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$1500.00} Subsequently, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$890.00}. 

This action constitutes fraud under 15 U.S. Code 1681s215, U.S. Code 1692, federal and state laws. Due to the negative mark found and continued to report on my credit reports as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a car lease with XXXX XXXX XXXX XXXX  XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my trans union report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with Trans Union. 

On my XXXX regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with 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 2021-10-16 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: VA

Complaint narrative:
Thank you for your help in advance. I had a personal loan with XXXX XXXX. XXXX XXXX reported a late payment on XX/XX/XXXX. I submitted an online dispute to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Experian Customer Service on XX/XX/XXXX reference case number XXXX. I uploaded a copy of my bank statement to Experian dispute center, report # XXXX to reflect payment was made on XX/XX/XXXX in the amount of {$97.00} along with a copy of my XXXX XXXX XXXX ; reporting my payments current. Experian did not update my credit 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 explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: IN

Complaint narrative:
I was contacted by a company named ClearOne Advantage to consolidate my credit card debt. They apparently got my contact information from me browsing the internet to find help. I was able to make my monthly payments on my credit cards, but just barely. I wasn't making any headway. ClearOne Advantage sent me a text about their services. When I contacted them, they said they could get rid of my debt in approximately 5 years. Unfortunately, I agreed to do their program. I started it on XX/XX/2021. They told me to stop paying on my credit cards and student loans, take off my contact information and add their phone number to my accounts. They said they would contact them to let them know I was in the program so they would not " hassle '' me for payments. I stopped paying my monthly payments. I did continue to get collection phone calls from my creditors, and I would be upset about the collection calls. So I called ClearOne Advantage to see what was going on. They just continued to tell me not to make payments to my creditors because the program would not work if I did. After 3 months, ClearOne Advantage said they settled with one of my creditors, XXXX XXXX. A person from ClearOne Advantage, who I could barely understand called to explain the settlement. I did not trust the settlement, so I called XXXX XXXX. They said they had not settled any agreement with anyone and I still had the same balance due. Although with a lot more interest and late fees because I had a delinquent account. When I called ClearOne Advantage back, they said I owed {$4600.00} for their services! I told them XXXX XXXX stated to me they had not settled with any program, so I was not going to pay the fee. I did not trust this company, so I canceled my enrollment. 

Due to enrolling in a program with ClearOne Advantage my credit score is absolutely terrible now, I have had many accounts closed due to a low credit score and I am still in the same boat as far as credit card debt. They charge an exorbitant amount of fees and absolutely destroy your credit. They should not be in business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 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: TX

Complaint narrative:
I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with XXXX XXXX. On my Equifax regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2018, a fraudulent money transfer in my name, using my Discover Bank debit card through XXXX ( affiliated with XXXX ) was conducted in the amount of {$860.00}. I immediately called both XXXX and Discover Bank to file the fraud and, in the case of Discover, freeze my debit card and account. XXXX could do nothing and directed me to talk to the fraud department at my bank ( Discover ). I did so, and Discover closed the original account and open a new one, initially returning the stolen funds while they investigated. Proof of the original fraudulent transaction is in XXXX. 

The next correspondence happened on XX/XX/2018, where Discover Bank reversed the temporary credit and took the money back. I called them to dispute this, but they said there was nothing they could do about it and claimed their investigation had not confirmed my fraud report. ( proof of funds removed is in XXXX ). 

I recently heard about the cfpb complaint process and I am taking action now to have this claim addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
After 18 years of good relationship with this company I was unable to get a satisfactory answer as to why my credit limit was reduced from {$26000.00} to {$500.00}. So I've attempted to cancel the credit card. I'm tired of getting cut off, shuttled around, and waiting endlessly on hold. 
This is ongoing and there is no money owed to either party to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a car lease with JP Morgan Chase Bank Auto Finance. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my XXXX regarding the same JP morgan Auto Finance account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with Chase Auto Finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a car lease with XXXX XXXX XXXX XXXX XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my Equifax regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my trans union report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with Trans Union. On my XXXX regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with 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 2021-10-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a credit card with AMERICAN EXPRESS. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my American Express Card with XXXX XXXX. On my XXXX regarding the same American Express Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with American Express

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I made a purchase on XX/XX/2021 buying XXXX tickets to a top golf event held at the football stadium. The event was on XX/XX/XXXX and I arrived and there were no directions or instructions on where to enter. Finally after circling the stadium 3 times, we found out there was no ground level entrance and it was hidden in the parking garage. Therefore, we arrived 5 minutes late for the event and they would not activate our golfing booth. We were not allowed to participate after paying for the event due to the lack of organization by the company. We paid for an hour, arrived only 5 minutes late and were not allowed to participate. The company refused to help and so I disputed the charge. The dispute was settled in the merchants favor with the reasoning sufficient evidence was provided that I made the purchase which proves they didnt read what I wrote as I never denied making the purchase, I made the purchase BUT was not given the product/service I paid for. I called the card company, told them this information and that I made the purchase but that they didnt provide the product/service. Again, they settled it in the merchants favor so now I am filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX has continuously disregarded my attempts to stop them from violating my consumer rights. Pursuant to 15 USC 1692a ( 3 ), I, XXXX XXXX am the consumer. 
On the XXXX day of each month, One Main Financial sends me a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Monday, XX/XX/2021, I sent One Main Financial an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
We purchased a vehicle with a loan from USAA. We paid the loan off in full, they sent us the title and a letter stating that the loan was paid in full. They then proceeded to report our last payment as overdue. Despite calling them and disputing the item on our credit report they continued to report it. It's been a few years so the damage has been done but I would still like it gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account has been paid in full and the company has refused to update the information on my credit report. I have disputed this item 3 times and still no change on 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 explanation
Consumer complaint received 2021-10-16 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: Solar Mosaic LLC
State: CA

Complaint narrative:
This account has been paid in full and the company has refused to update the information on my credit report. I have disputed this item 3 times and still no change on my report.

Company response to consumer: Closed with explanation