vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/2021 - Two charges, each of {$2800.00}, made to our Southwest Rapid Rewards credit card. Charges were for booking cruise with XXXX XXXX XXXX. 
XX/XX/2021 - Received email from XXXX XXXX XXXX that cruise was cancelled. 
Around XX/XX/2021 - Placed disputes on charges of {$2800.00} and {$2800.00} as XXXX XXXX communicated that refunds would not be given until 4-8 weeks later. 
XX/XX/2021 - Removed disputes on both charges in hopes of utilizing monies towards future cruise, received credits, etc. ( see attached XXXX XXXX cancellation email ). 
XX/XX/2021 - Booked NEW cruise with XXXX and was told that amounts for cancelled cruise could NOT be used as the dispute transactions were received. 

Asked Southwest Rapid Rewards to again apply disputes, but was told they were not able to, once they were released on XX/XX/XXXX. Chase Disputes team communicated that we must request refund from XXXX XXXX XXXX. 

For several months I have been in communication with XXXX XXXX XXXX and have asked for a refund on {$5600.00} ( two payments of {$2800.00} ). Each time the finance department researches my request and they come back saying that those payments were never received ( see attached email from XXXX saying no payment received ). 

On the other side, Chase Disputes team ( on behalf of Southwest Rapid Rewards ), say they have also researched the issue, and they say that they have received confirmation from the merchant bank for XXXX XXXX that both payments of {$2800.00} were received on XX/XX/2021. 

On one hand XXXX XXXX  XXXX  XXXX  says no payments were received, thus there are no amounts to refund. On the other hand, we have two Re-Bill charges of {$2800.00} that show on our XX/XX/2021 credit card stamenet from Southwest and Chase Disputes team saying they have received confirmation from XXXX XXXX ' merchant bank that funds WERE received. Both of these statements can not be true. Neither party will provide us tangible/physical evidence to their analysis and conclusion so that we could then go to the 'other party ' with actual proof. 

Either way, we are not liable to pay Southwest Rapid Rewards {$5600.00}. Mainly because XXXX  XXXX  say they have not received those funds, and second, Southwest/Chase will not help us in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I will include a copy of my ID for proof of identification since this is the stated reason. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, TD AUTO is reporting late payments, but the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information for XXXX, XXXX, and XXXX when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX have XXXX XXXX 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 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED COMMUNITY BANK
State: TN

Complaint narrative:
Im complaining to have my {$1000.00} XXXX money back. I was working with a lender for a home that was pre-selling. Seller suggested I work with a lender that was tied up with their company. Promised that I will get some discount, I worked with the suggested lender. I paid {$1000.00} XXXX money. In order to be approved for the loan, the lender is so pushy for me to pay off my existing loans and advised me to pay a huge amount of down payment so we will be approved with the loan. Considering my regular income alone, the lender said that I could not get approved. The monthly mortgage will be more than half of my monthly income. Knowing this, I decided not to continue with the purchase and the loan. I asked for loan denial letter but the lender will not provide since he is so pushy even though I can not afford. The seller asked me to sign the release letter since its taking a long time already. My real estate agent advised me over the phone that the seller will return the XXXX money. But upon checking with the document, it states that the XXXX money will go to the seller. I was blinded. They said that they will file legal action if I will not sign the release letter so I signed the release letter and now I wanted to get my XXXX money back. 

Lender : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Builder/Seller : 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 explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
Midland Mortgaged REDUCED payments for three months to {$92.00} due to economic hardship. I made the reduced payments of {$92.00}. They in turn reported the payments late which negatively and drastically effected my credit score by XXXX points. 

I called on XXXX, XX/XX/XXXX and XX/XX/XXXX and have not received written acknowledgment that this was a mistake, despite several customer service agents verbally saying so. 

Midland Mortgage needs to accurately reflect the status of my mortgage payments. 
Payments were made on time for the months they reported late. Payments received after the XXXX  of the month are late. In the history of my account, I have never made a late payment.

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 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
I sent on Cashapp XXXX to the wrong person. I realized it in mins I then requested the funds back. Shortly after I didn't get a reply I asked cashapp to help me get my funds back. They replies hours later. When they did get back to me all I could get them to tell me was they are sorry that I should double check from now on who I'm sending my mo ey too. This was days ago I just got to speak to someone over the pho e they all tell me the same thing. I contacted them befor the money was accepted and there for gone by the person that stole it but they took hours to get back to me so I couldn't do anything they say it was final I asked repeatedly could cashapp let the other person know that it would be in there best Intrest to refund my account. I was told no they couldn't do anything. Now I'm setting here 3 days from XXXX with no dinner for my family. It's a sham they can't even request my own money back on my behalf I'm told sorry they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/22 I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX or XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I began recieving letters recently from Portfolio Recovery in XXXX. I contacted portfolio recovery on XX/XX/XXXX through email, phone, mail and chat function and was told they could not locate any account under my name. I requested a debt validation letter and was ignored and hung up on. I sumbitted a CFPB complaint, and on XX/XX/XXXX finally received my debt validation paperwork. The debt validation included a name I havent used in over 7 years and an address I haven't used in 5 years ( the account is less then two years old ). Apon review of my credit report, the account holder portfolio recovery claims I owe and is trying to collect on is paid in full with no delinquency, and under the correct name and address not under the inaccurate name and address portfolio recovery has on file. I contacted all three reporting agencies and all removed portfolio recovery from my credit reports stating inaccurate information. 

On XX/XX/XXXX, I contacted Portfolio Recovery via email, through their chat function on their website, and sent a letter disputing the debt and requesting Portfolio stop contacting me via phone, mail or electronically. ( See attached files ). I contacted Portfolio Recovery twice through their chat function and both times the message requesting such was read, acknowledged and then the debt XXXX closed the chat. 

Today on XX/XX/2022, I recieved an additional mailing from portfolio recovery, again under a name I haven't used in over 7 years, refusing to investigate my debt dispute stating they have already done so ( impossible since I have not communicated with them prior to XX/XX/2022 and just recieved the validation XX/XX/XXXX ). The letter was mailed XX/XX/XXXX, just XXXX day after I disputed the debt and demanded they cease and decist all communications. 

Since portfolio recovery refuses to heed my cease and decist demand, and honor my right to dispute this alleged debt, I am forced to yet again submit another complaint to CFPB. If this blatant disregard to my rights continue, I will be forced to persue further legal routes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX. Validate Account XXXX XXXX XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX AV XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX. The following personal information is incorrect Employers : 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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I am requesting that these unauthorized inquiries be removed. I followed the fraud procedures for Equifax and they did nothing. I have fraudulent inquiries on my account that are affecting me getting credit. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I was told by a representative from Transunion to file a report for unauthorized inquiries even though It's not required in the FCRA. Please remove all inquiries starting from XX/XX/2022.

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 2022-11-21 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: FL

Complaint narrative:
I recently received my credit report and noticed that there is an error on one of my accounts. With the Covid pandemic, its been a tough time and I dont need my credit docked more than what it fair and accurate. 

As you no doubt know, it is also a violation of the FCRA that was established in XXXX to show disinformation on a credit report. Therefore, I exercise my legal right to have the 90-day late payment deleted on XXXX XXXX XXXX XXXXXXXX I ask that you respectfully confirm deletion, because this inaccuracy is unfairly penalizing my score making it lower than it should be, and I have been working diligently to get my finances and records corrected. 

Thank you and take care, ( Type first and last name ) only Client address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: 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 XXXX XXXX XXXX. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX ) # XXXX, Account name : ( XXXX ) # XXXX has violated my rights XXXX 

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 response to consumer: Closed with explanation