vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX ACCOUNTS Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 to any consumer reporting agency if the person knows or 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 2023-02-14 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXCCOUNTS Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 to any consumer reporting agency if the person knows or 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 2023-02-14 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: IL

Complaint narrative:
In accordance with the fair credit reporting act " XXXX XXXX  XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: IL

Complaint narrative:
In accordance with the fair credit reporting act " XXXXXXXX XXXX XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when 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 2023-02-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct 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 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 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2023-02-14 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: PA

Complaint narrative:
Fraudulent accounts appearing on 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 non-monetary relief
Consumer complaint received 2023-02-14 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I've had two fraudulent hard inquires on my credit that I did not initiate. One is from XXXX XXXX  on XX/XX/2023 and the other is from JPMCB CARD XX/XX/2023. I have no idea where these come from and did not try to open any new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
Paramount recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$360.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Paramount recovery failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Paramount Recovery and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I was checking my credit report when I notice XXXX in resurgent was on my credit report. I never had a account with them and I would like to get this totally deleted and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
REPEATED PHONE CALLS MULTIPLE TIMES A DAY, ACCORDING TO XXXX  MIDLAND FUNDING LLC ISN'T LEGAL AUTHORIZED TO CONDUCT BUSINESS IN THE STATE OF GEORGIA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX CT XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX HARBOR XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I am writing to file a complaint regarding the application of payments on my RV loan with XXXX XXXX XXXX XXXX XXXX which was picked up by Bank of the West. Specifically, I have noticed that recently all of my monthly payments are being applied to the interest, despite the fact that my loan agreement specifies that early payments will have the effect of reducing the final payment. 

What is odd about this matter is that initially the payments were correctly being applied to both the principal and interest. I then went ahead and made a few early payments and noticed the lender applied the amount to both the interest and principal. This practice appears to contradict my loan agreement which specifies that early payments will have the effect of reducing the final payment. 

I have contacted Bank of the West to request that they modify the payments so that a portion is applied to the principal and a portion to the interest, as outlined in my loan agreement. However, they have refused to do so. 

I believe that this practice is in violation of my loan agreement and may be causing me to pay more interest over the life of the loan than I should be. I would like to request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of the West is applying my payments in accordance with my loan agreement. 

Please let me know if you require any additional information or documentation from me to support this complaint. 

Thank you for your attention to 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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a Chase Sapphire Preferred Ultimate Rewards Credit Card that I got specifically for the purpose of receiving points through personal shopping and travel. Over the last 8 months, I have made three separate reservations through Chase 's Ultimate Rewards website ( one round-trip plane reservation in XXXX XXXX and two different hotel bookings in XXXX XXXX. ) There are 'Trip Confirmation ' receipts in my Trip 's folder on the Ultimate Rewards Website that state exactly how much money I spent and how many points I was supposed to receive for each trip : XX/XX/2022 - XXXX points, XX/XX/2022 - XXXX points, and XX/XX/2022 - XXXX points. However, Chase has not given me these points and while two different 'escalations ' were made regarding these matters in XXXX XXXX and XXXX XXXX no one has given me an answer as to why I haven't received them or when I will receive them. 

I have spent hours on the phone being transferred to numerous different representatives, supervisors, ect. all of whom argue over which department is supposed to handle this and none of whom ever gave me any real answers. The higher up I got, the more likely I was to be told I would get an answer before being placed on hold only to end up back at the start of each departments phone system, almost as if they were deliberately trying to get me as frustrated as possible so I would hang up. One day I did just that after three hours of this endless routine and talking to over 15 different people across multiple departments. 

I spent a lot of time researching what type of personal credit card to get and I am incredibly disappointed in the customer service and care that I have received from Chase. As a business owner who was considering switching all of our accounts to Chase, I can no longer say I have any faith in the company 's ability to handle my personal or business finances in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I paid off my car early and never received my GAP refund back.

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 2023-02-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to you about my business credit card account that was open last fall from Chase bank. 

I have been a chase customer for over 10 years and all my business accounts have my personal mailing address for billing. I discover that this account didn't have my address listed for billing. Afterall I was able to receive my card. 

The customer service acknowledges the discrepancy of mailing and fixed it. I was able to get a full credit back for all incurred late fees but refuses to correct and fix the negative scare on my credit report. I spoke to several people on this matter in which I was given the runaround " stating that there is nothing that can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XXXX I initiated payment to New York and Company at approximately XXXX XXXX. My billing document in fine print indicated payments must be received by XXXX XXXX  ET. When I initiated the payment I was informed I would be charged a late fee in the amount of {$37.00} because the payment was not received before XXXX XXXX   ET. I asked for clarification and was informed the deadline listed on the front of the bill in the fine print was the deadline for " mail-in '' payments only rather the deadline for " phone payments '' listed in the fine print on the BACK of the bill was XXXX XXXX  ET. 
Should there be a provision to prevent companies from : 1. Charging these fees when a consumer has made the payment on the due date regardless of time and ; 2. Listing the time frame in two different places on the bill? 
Please advise what consumer protections are in place regarding these egregious practices by all credit card companies. Additionally, I would like the company to return the money paid for the fee incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: IL

Complaint narrative:
In accordance with the fair credit reporting act " XXXX XXXX XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when 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 2023-02-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraud charge on XX/XX/XXXX in the amount of {$3900.00} to XXXX XXXX XXXX TX Notified credit card company on XX/XX/XXXX at the same time that the credit card company notified me of the suspicious charge. New credit card was issued. 

Credit card company dismissed fraud dispute after claiming they were unable to contact me with additional questions. After searching phone records and emails i was unable to find any contacts from the credit card company. 

Re-Initiated Fraud dispute on XX/XX/XXXX. I was informed that I should make a police report of the fraud and was referred to this website by law enforcement.

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