vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I realized I had drastically overpaid my Chase/Amazon Prime Visa card from my bank 's XXXX  XXXX  ( I missed a XXXX  point and paid XXXX instead of XXXX ). As soon as I realized this had happened, I called Chase. They informed me that a check would be mailed to me in XXXX to XXXX business days. On XX/XX/XXXX a 'reversal ' showed up on my account on the Chase website. On or around XXXX, I received a letter from Chase dated XXXX which said that the money would not be sent by check but would be returned to my checking account. As of XX/XX/XXXX I have not received the returned funds. It has been XXXX business days since I called to request a refund. On XX/XX/XXXX a representative of Chase told me over the phone that 'the latest I would receive my refund was XX/XX/XXXX '. This seems to violate XXXX which says that the creditor should refund the money within 7 days of receiving a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian had violating my rights. I disputed a collection that is XXXX XXXX. Its originally XXXX. This was fraudulent and I submitted a police report from XXXX and this was removed. Now XXXX has sold it and Experian is letting the collection agency report the same account that was fraudulent which is a violation. They are willfully aiding and abetting identity theft. They investigated and verified this as mine on XX/XX/XXXX on dispute XXXX. 

I have attached the police report from XX/XX/XXXX showing the tmobile account listed as a fraudulent account and they removed it but are now reporting the same account by a debt buyer who I do not owe a debt to on a fraudulent account. 
This is unacceptable and a violation of 15 usc 1681c-2

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I couldn't believe it when I saw incorrect accounts on my credit report this morning. I have no idea how they got there. I checked my report like I usually do, but this time, there were random discrepancies. I even tried refreshing the page, hoping it was just a glitch, but the errors didn't go away. Because of this, I'm urgently requesting that the documents Ive provided be thoroughly reviewed so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. This is not a third party submitting this. I have been denied from moving my family into a home, because I was told that I had so late payments and delinquent accounts on my credit report. I would like a copy of the internal records of these reports because it is not accurate. And if the records can not be produce. Please remove the inaccuracies immediately. For it is damaging my reputation.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> went to BEST BUY to buy appliances .Sales person told us there was a promotion for store credit if we opened credit card with their store and used for purchase.We opened account and spent additional money on card. We were issued store credits in sum of {$160.00}. When we came back to store manager was unable to apply it. He said it was a corporate problem and gave us their number The store credits had a scan bar and member ID of XXXX. We spent over XXXX hours over next few days talking to XXXX different corporate customer service representatives, none were able to help us.

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 2024-08-17 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
This evening, I was really upset to find unauthorized inquiries on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, I noticed some discrepancies that were not there before. I even refreshed my browser, hoping it was a temporary issue, but the unauthorized inquiries were still there. Im asking for the documents Ive submitted to be carefully reviewed so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Spoke to XXXX then he transfer me to XXXX XXXX who didnt even understand the reason for my call or pretended not to understand. Where I needed to correct a dispute. 
I have try to call the dept XXXX times before and not able to get anyone to assist The XXXX  when I asked to speak clearly he purposely spoke far away from the phone making it impossible to understand him. They both were at the dispute department.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I XXXX XXXX Never applied to any such credit product with any such company. I XXXX XXXX Never gave written authorization or permission to any company wishing to lend any such services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: MI

Complaint narrative:
Midwest Receivable Solutions, is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from Midwest Receivable Solutions, showing we had a contract as well as the agreement between Midwest Receivable Solutions and l. I also asked for a break down of the debt they say I owe them. They are stating that I owe them for XXXX XXXX XXXX XXXX in the amount of {$420.00}. I reached out to XXXX and asked do they sell debt they stated no ( I'm well aware of my XXXX laws ). I could sue XXXX XXXX XXXX XXXX XXXX for violating XXXX laws. XXXX XXXX XXXX XXXX XXXX has violated multiple XXXX  laws and I have my lawyer on hand to sue XXXX XXXX XXXX XXXX XXXX for the violations of my medical rights. Also their information has not been reviewed by a lawyer.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I was shocked to discover incorrect accounts on my credit report, and I can't understand why they're showing up. I regularly check my credit report, and this time I was surprised by discrepancies that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a mistake, but the inaccurate accounts were still there. Because of this, I'm urgently requesting a thorough review of the documents I've provided so that I can stop worrying about this happening again.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. This is not a third party submitting this. I have been denied from moving my family into a home, because I was told that I had so late payments and delinquent accounts on my credit report. I would like a copy of the internal records of these reports because it is not accurate. And if the records can not be produce. Please remove the inaccuracies immediately. For it is damaging my reputation.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. This is not a third party submitting this. I have been denied from moving my family into a home, because I was told that I had so late payments and delinquent accounts on my credit report. I would like a copy of the internal records of these reports because it is not accurate. And if the records can not be produce. Please remove the inaccuracies immediately. For it is damaging my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was stunned this morning to find incorrect accounts listed on my credit report, and Im completely baffled as to why this happened. I checked my report like I always do, but this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. This issue has me deeply concerned, so Im requesting that the documents Ive submitted be thoroughly reviewed to ensure I never have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This morning, I was taken aback to see inaccurate accounts appearing on my credit report, and I cant understand how this occurred. When I checked my report, which I do regularly, these discrepancies just appeared out of nowhere. I thought it might be a browser issue, so I refreshed, but the incorrect accounts were still there. This situation is causing me a lot of XXXX, so Im asking for a careful review of the documents Ive sent to prevent this from ever happening again.

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