vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: VA

Complaint narrative:
I paid off my bill early. Then they refunded my paying the credit card without letting me know. On the fidelity website. Then made sure I couldn't pay it off that way. I got proof I tried to call multiple times and from different numbers they provided. They then charged me with a late fee. My screenshot proves that. Plus i posted the one that proves i paid off the bill without a refund. The 3rd one proves i paid off the credit card bill in full the day i typed about this. I just saw all of this today on the fidelity website. I am unsure that my payment paying it off from the elan website area went through either ( hence the screenshot ). I took screenshots of all of this including what makes me think it went through when I created the account on their elan website. The only way I am able to think of making this stop is by making a law that forces them to create physical places mainly in the bank itself. A place for credit card incidences of any kind. That way the credit card companies must follow all laws and unable to mess with anyone 's credit. I haven't given up on trying to contact them. I am also unsure that I got the money back in my account from the first payment to them I got XXXX proof to that. I am trying my best to keep perfect credit. I doubt I am the only one having issues with the fidelity credit card. It seems like elan financial services shutdown but kept their credit cards around. That is why I am unable to contact them. That needs to be illegal. That allows them to give people bad credit with nobody to sue and fidelity gets to say not their fault elan a 3rd party place. They need to not be allowed to use them anymore until elan fixes itself and all credit cards like mine needs to be forgiven as long as this continues. I don't know what is going on with the payment I put in and that is partly what scares me. I need that XXXX XXXX  forgiven because I got proof to paying it off on time. I am fine with everybody knowing about this because contacting fidelity 's credit card company absolutely impossible. It also explains how to fix all issues including fraud instead of filling out this form and XXXX willing it goes somewhere and fixes stuff.

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 2024-06-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I'm a Chase small business account holder, twice actually, and use their payment processing service. XX/XX/XXXX I did a card transaction for {$750.00} and then like two days later I noticed it still hadnt come to my account. 

I then get an email from WePay and they are like weve shut down your account and wont be releasing funds for 120 days due to this account having frequent chargebacks and refunds. 

Ive never had a chargeback or refund from this account or the account prior. Ive been trying to get into someone at WePay via phone to get someone to explain to me what happened and how do I get my funds and all the email responses I get back are you can appeal ( which Ive done 3 times ) and still no action or any help with this at all. Meanwhile Im out of {$750.00} not to mention I cant take any card payments at all, XXXX ( which is the sole reason I chose Chase as a business bank ) and this has been a nightmare of an experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-05 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UN AUTHORIZE INQUIRIES ON MY REPORT -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XX/XX/year> held on to funds for an additional 3 weeks after release from merchant, changed personal information on account without my notification and consent, blocked him online access to account without reason or notification at least 2 dozen times, block transfers, blocked withdrawals, blocked payments, refused refunds, provisional credits and other forms of harrassment. Conspired with state officials to XXXX  and violate constitutional rights and federal laws to include wire transfer fraud and identity fraud illegal statement manipulation, neglent misrepresentation and false advertising. 

Money network conspire against citizen to harass and abuse victims no behalf of the California employment development department, who is committing fraud, violating citizen 14 amendment rights to due process and illegal access other bank institutions to abuse victims and ruin their lives and reputations. 

Money Network has stolen my money and refused return the funds or allow transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit 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: ME

Complaint narrative:
On XX/XX/XXXX I made a reservation with at XXXX XXXX XXXX ( XXXX ) for a stay at XXXX XXXX XXXX XXXX for a stay in XXXX, XXXX. This reservation required a deposit of {$190.00} which I made with my Southwest Airlines Chase Bank credit card. 

On XX/XX/XXXX I cancelled the reservation, not remembering at that time that the deposit payment referenced above was made with the Chase Bank card that I had cancelled in XXXX  XXXX. XXXX, which handles XXXX XXXX XXXX XXXX, processed the refund on XX/XX/XXXX and they have documented that the refund was processed by Chase Bank ( see document attached ). 

As attached emails indicate, I made repeated requests to Chase Bank to resolve this matter. During my first phone call to Chase Card, they agreed to send me a letter that I could forward to XXXX documenting that my account had been closed and thus, a refund to me via the account was not possible. When I did not received the promised letter, I again called Chase Card customer service and was advised that I needed to send a fax detailing the matter to Chase Card 's offices. I did so and again did not receive a response. Finally, on XX/XX/XXXX I sent a letter to Chase Bank offices regarding the matter requesting a resolution and again have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've sent dispute letter to the credit bureaus in XX/XX/year> asking them to delete address and names that do not belong to me. They have never responded or removed this inaccurate information for my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent dispute letter to the credit bureaus in XX/XX/year> asking them to delete address and names that do not belong to me. They have never responded or removed this inaccurate information for my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I contacted Credit Acceptance by certified mail requesting to send me all original documents of account number XXXX after noticing information that is being report that should not be. They told me that everything that they are reporting was in the contract that the consumer signed but after asking for the documents they have not responded in over 30 days to get this resolved. This has cause a lot of damage to my credit and time. I ask them to send me every party involved in the contract but they refused to tell me anything about what they are doing on my credit report. Their practices are not aligning with the law. There are many violations that has caught my attention due to their reporting practices, also violations with the affiliated dealership in a credit transaction. This is the second time Credit Acceptance has failed to respond to my investigation. There was a discharge letter sent the first time they failed to respond to my letter, but they sent a letter back saying the account will remain open after looking into the account file. I responded with a request of the documents and they have fail to respond again within 30 days and did not receive the return receipt from the last letter but it was delivered.

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 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding a collection account on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1692j of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve this matter, the collection agency has failed to provide adequate validation of the debt, and the reported amount does not accurately reflect the original debt, thereby violating my rights under the FDCPA.

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 2024-06-05 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding a collection account on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1692j of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve this matter, the collection agency has failed to provide adequate validation of the debt, and the reported amount does not accurately reflect the original debt, thereby violating my rights under the FDCPA.

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 2024-06-05 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: NJ

Complaint narrative:
This is my second complaint against Equifax for reporting inaccurate and misleading items on my credit report without my permission. I filed a complaint in XXXX to which Equifax responded they needed identifying information which was sent. Now I am attaching a signed affidavit with my original and new requests for them to NOT share non public information that I do not consent to. If this matter can not be resolved I will pursue this party legally for violating my rights as a consumer. I have sent via the CFPB WRITTEN instructions for them to remove accounts and they continue to willingly be negligent in reporting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: MT

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime has not released my SSDI payment for XXXX in the amount of {$1000.00}. The funds have been transferred from the Treasury Department to Chime and they have not posted my XXXX payment for me for XXXX.

Company response to consumer: Closed with explanation