vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX XXXX not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TN

Complaint narrative:
I had to come into reinvestigate this case and they fail to properly investigate now Im also they are hurting my credit. I believe they owe me money to them over {$1000.00} concerned by the CFPB reported damage not filing through in the 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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On the top right corner of the credit card statement, XXXX XXXX Chase XXXX gives a customer service number of one XXXX XXXX XXXX. 
The misleading part is its not customer service. A woman comes on the line and tries to force you to buy another product for a medical alert device. When you asked to talk to customer service, they hung up. 

When you call back and ask for the XXXX reward program, they will not transfer you to the reward program that is referring to the credit card statement or customer service. The woman will hang up if you refuse to buy their medical alert bracelet and never transfer you to customer service. 
Card services is misleading, consumers intentionally to force them to buy products that they do not want to buy and against financial banking laws for deception to clients. It is a strict violation of financial laws against the law. 
I have tried over a dozen times to get a hold of their customer service over several months and they never allow us to talk to the customer service listed on their reward visa card, credit card statement. 
Banking laws clearly state a company can not advertise, in branch or online intensional material to deceive consumers. This is a violation of the law based on how they are advertising and the refusal to help consumers get a hold of customer service to resolve their banking issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
I have these inquiries. on my report that i never requested and they refused to delete and stated they have my signature but could never provide it but asking me to sign something and send it in so they can get my signature then. But I refused to sign anything but nee these inquiries removed asap according to FCRA. 
XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 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 2024-04-28 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
i have inquires i don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
Im paying on my XXXX  XXXX and my XXXX XXXX card but I fell behind

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I was notified by email from Synchony bank on XX/XX/XXXX that a {$1.00} fee will be charged effective XXXX XX/XX/XXXX on my Care Credit Card on any balance over {$2.00} if I did not convert to going paperless with my account which is forcing me to put myself at more risk online with pertant information of my financial status. I totally object to this because I believe that I cant easily have access to my information to backup any problems that might occur with my account. Having the paperwork with my notes on it would be the only proof that would stand up in a court case. I am being forced to trust the internet to save the bank money! Not acceptable & I want to know if the government actually is going to agree with the banks doing this to everyone. Synchrony bank so far is the only one I know of doing this, and I several credit cards from other banks and none of them are doing this! Please advise me of a course of action to remedy this situation! I am definitely not happy about this! Thank you for your time. I know this sounds frivolous but if one does this and gets away with this, the others will follow soon!!!

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 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
At XXXX and XXXX XX/XX/2024, I had sent two {$40.00} payments for two event tickets that were promised over XXXX. The connected name of the XXXX account was XXXX XXXX and the connected email of the account is XXXX. XXXX associated numbers with the scammer are ( XXXX ) XXXX and ( 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 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I called XXXX XXXX on Monday, XX/XX/year> at XXXX to discuss a violation with the city. I believe the collections attempt is invalid and as the letter states, I must write back contesting the validity of the debt if I want to get them to stop collections efforts. The letter has a few different addresses, so I wanted to make sure I had the correct address. When I called, I asked the agent for the address. He gave evasive answers and started to ask me about the debt. He wouldn't give an answer about the right address of where to send my note contesting the debt. I pointed out that he wasn't giving me the address, despite the fact that I asked for it multiple times. He said contesting it was just a " legal procedure '' and I shouldn't focus on that. I told him that I was familiar with the Fair Debt Collections and Practices Act and that I just needed the address so I could contest the validity- as he pointed out, that is a legal step I should take. The agent was combative, but more importantly repeatedly tried to get me not to send a letter contesting the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
have inquires on my credit report i dont recognize

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 2024-04-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to dispute the debt collection attempts made by PORTFOLIO RECOVERY ASSOCIATES XXXX XXXXXXXX # XXXX. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any inaccurate information on my credit report and to ensure that my consumer rights are not violated. THIS COMPANY IS ALSO NOT LICENSED or have any REGISTRATION in my state of Florida. 

I have been unable to find housing, obtain a loan, and secure a credit card due to the false information being reported by PORTFOLIO RECOVERY ASSOCIATES XXXX. This has had a significant impact on my ability to access these essential services and has caused undue stress and hardship. 

I demand that PORTFOLIO RECOVERY ASSOCIATES XXXX cease all attempts to collect this debt and correct the inaccurate information on my credit report immediately. I expect a prompt response from the CFPB in addressing this matter and ensuring that my consumer rights are protected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
Per 15 USC 1681, XXXX XXXX is not allowed to report any of my transactional history. XXXX XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.

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 2024-04-28 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: TX

Complaint narrative:
Per 15 USC 1681, XXXX XXXX is not allowed to report any of my transactional history. XXXX XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated ; the accuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX, and XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of everyone with whom you verified the above so that I may follow up please send an updated copy of my credit report after your reinvestigation.

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 2024-04-28 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: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX XXXX bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

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 2024-04-28 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
have inquires on my credit report i dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt collector reporting this account opening in XXXX, it was opened in XXXX of XXXX. Reporting Over 7 years. Please see below : DEPT OF EDXXXXXXXX XXXXXX/XX/XXXX | Reported on XX/XX/XXXX Balance {$0.00} CONTACT INFO DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Over 120 days past due Account type Installment Account number XXXX XXXX Date openedXX/XX/XXXX XX/XX/XXXX Date closed XX/XX/XXXX Past due {$0.00} Responsibility XXXX XXXX XX/XX/XXXX Days Late XXXX Term Duration Months XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield collections on XXXX XXXX XXXX XXXX for over XXXX was not filed with XXXX and XXXX XXXX it shouldve been they knew I had XXXX  XXXX and I was not to be charged a cent they took my info and I called ask and ask the XXXX XXXX XXXX  ssid we mailed ur info to you I ask for proof she said its in the mail You will be charged you dont pay it goes to collections Asking why I was charged when my insurance approved and said I was to be charged XXXX Bit as you service true to get them to remove info they XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
XXXX has violated my rights per 16 CFR 313 and 15 USC 6801-6805.

In compliance with the Privacy Act of 1974 and 15 USC 1681, XXXX is prohibited from disclosing my transactional history. However, XXXX failed to uphold my privacy rights as outlined in 15 US Code 6801, and I was not allowed to opt out as mandated by 15 US Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: Larry H. Miller Group of Companies
State: OK

Complaint narrative:
i have inquires i don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
i have inquires i don't recognize

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 2024-04-28 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: Global Lending Services LLC
State: OK

Complaint narrative:
unauthorized inquires off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TN

Complaint narrative:
I had to come into reinvestigate this case and they fail to properly investigate now Im also they are hurting my credit. I believe they owe me money to them over {$1000.00} concerned by the CFPB reported damage not filing through in the 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 2024-04-28 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: FL

Complaint narrative:
This is not my account. This account belongs to my XXXX  year old mother. It is marked as undesignated as I never agreed to co-sign. 

XXXX XXXX XXXX  XXXX XXXX Credit Card | Reported on XX/XX/XXXX Balance {$3200.00} Limit {$3000.00} Past due {$650.00} Account utilization : 109 % | Limit exceeded CONTACT INFO XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Undesignated Times 30/60/90 Days Late XXXX Term Duration Months 0

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
unauthorized inquires off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: Stellantis Financial Services US Corp.
State: OK

Complaint narrative:
unauthorized inquires off 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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2017, I tried purchasing a phone with someone online for {$100.00}. The person informed me, to go to a local supermarket or deli to wire the funds. What form of payments do you want me to send the funds. The unknown person stated through XXXX XXXX. I filled out the XXXX XXXX form to send the funds to the person and used my Chase credit card. I messaged the person if the funds were received or not. The person ignored me. I messaged the person several times, if my phone was mailed off no response from that person. I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation