vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/MAIL-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased several items from a website which is no longer existent. Then the confirmation email was not sent and because I ordered a previous items with the merchant. I never received the items. It was explained to me via email which was from a gmail account that shipping would be delayed Nonetheless, my second purchase was not received or recognized on the merchant end and I never received the item Therefore, I submitted a dispute. 

Please see attached the first purchased which was refunded due to none availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a person not a credit repair agency I called experian today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.

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 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My wife and I, after all this world Pandemic, went to XXXX XXXX and purchased a timeshare through a company called XXXX XXXX XXXX. 
They were asking for XXXX dllrs down-payment and since we didn't have that they offered us to apply for 2 separate Barclay 's RCI credit cards on the total amount of XXXX, XXXX dollars. 
My wife got approved for XXXX and I got approved for XXXX. 
We were told no late fees and no interest for one year.

2 weeks after we came back to XXXX XXXX CA, where we live, they charged our credit cards for the XXXX dollars but they needed us to activate the cards. 
So we called Barclay 's RCI, activated the cards, I verified there were no late fees or interest and that was confirmed to my wife and I. 
My first payment to them ( Barclay 's ) was suppose to be on XXXX, but I realized when I tried to log in into my Barclay 's account, there were 2 charges, one for a late fee of XXXX dllrs, and one for purchase interest for XXXX dllrs, I have tried calling and asking to get this fixed. 
XXXX XXXX ( XXXX XXXX ) said they can't do anything because all they did was provide me with the form and they sent the application to Barclay 's with my socials security and my wife 's social security and all the other personal info, they said they can't talk to Barclay 's because I'm the account holder not them but they assured me AGAIN AND AGAIN THAT THERE SHOULDN'T BE ANY FEES OF ANY KIND FOR THE FIRST YEAR. 
My wife does not work, she got let go during the Pandemic. 
I've already tried talking to everyone. 
I wan na pay what's fair and what was said and agreed to to my wife and I.

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 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, XXXX, and TransUnion, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : 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 2021-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, Experian, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : 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 2021-09-29 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: GA

Complaint narrative:
This case is continuation of previous case # XXXX I submitted to CFPB. Chase did not resolve my issue. I left couple of messages for the XXXX ( executive officer assigned ) but I never got the call back, while appreciate chase listen to my conversation with the agent and found agent didn't meet quality standard but I don't feel chase is doing anything to resolve actual issue. I am charged for the ticket price however, XXXX XXXX claimed they have refunded my ticket I have provided all the proof provided to me by airline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.

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 2021-09-29 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: PA

Complaint narrative:
I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NC

Complaint narrative:
I have had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : 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

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Early Warning Services located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is reporting inaccurate information about me publicly. I have submitted two notices to this entity. The first notice was a request to place a security freeze on all data reporting about me publicly. The second notice was a request for this entity to cease and desist the reporting of fraudulent data about me publicly.

Early Warning Services first response to my request for a security freeze to be place on my file was a letter denying my request for a security freeze and copies of their file listing my personal data. Early Warning Services second response to my notice to cease and desist the reporting of all fraudulent data about me publicly consisted of the exact same letters I received from my first request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Credit Plus Inc
State: MD

Complaint narrative:
1. CreditPlus - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2021 I called Chase Bank and requested the full payoff for my credit card. The amount they said was {$3900.00} total which I paid that day while on the phone with them ( Confirmation # XXXX ). 

On XXXX, 2021 I received an " action needed '' bill from Chase in the amount of {$25.00} for interest owed after the payoff. I called Chase Bank three times speaking with different levels of representatives each time trying to get this removed. Two of the three representatives hung on me and the third one said they would not remove the charge. 

I feel that this interest charge is not due as the account was paid in full and closed on XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My car loan for a XXXX XXXX XXXX with JPMCB was paid in full back in XXXX. Soon after JPMCB sent us the title to my vehicle as normal when you pay off a vehicle. However, JPMCB is reporting to XXXX that there is still a past due balance of {$1100.00} and this account is in collections. How can we have the title received from JPMCB if we still owe a balance. This account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
i have a duplicate debt on my credit report from the same collection company for the same amount and i've never seen a bill for either but i was only in the hospital once so there should not be 2 collections with the exact same amount. I have tried to get them to send me confirmation of the debt but i only get it for one of the bills and not for the other but there is 2 on my credit report. I am asking for help to get them to remove the one of the collections with the 3 credit bureaus since they can't provide me proof of both. Anything you can do would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NJ

Complaint narrative:
I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

I have had prior CFPB complaints regarding Chase, but this complaint pertains to entirely new issues, as Chase in its recent correspondence to me and the CFPB ( dated XX/XX/2021, attached ) has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment. The at best disingenuous nature of essentially all of Chases responses in this letter highlight the need for a third party arbiter to cut through the noise and sanction the Company for its failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis is sharing my public information to several reporting agencies. I have dispute it with the agencies and they have not removed it as of now. I also mailed in a certified letter to LexisNexis requesting how did LexisNexis verify my bankruptcy? Where did LexisNexis get the information from?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
When I requested my full consumer file on XX/XX/2021, I received a defective [ non ] response disregarding the " AND FILE '' portion of my request for my " Individual/Consumer File. '' I consider this negligent noncompliance pursuant to 15 U.S. Code 1681o and provide one opportunity to cure Respondent 's fault.

With regard to the improper response to my complaint : FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern : Please send me in writing ALL INFORMATION in my consumer file at Experian as of the date that you receive this letter regardless of how or where it is stored ; pursuant to 15 U.S.C. section 1681g ( a ) ( 1 ), and subject to 15 U.S.C. section 1681h. Mask the first five digits of my Social Security Number in all writings you return to me.

In addition, I am requesting : 1. Pursuant to 15 U.S.C. section 1681g ( a ) ( 2 ), all sources of information in my consumer file at Experian.

2. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), the identification of each person that procured a consumer report on me from Experian.

3. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), the name, trade name, address, and telephone number of each person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. Pursuant to 15 U.S.C. section 1681g ( a ) ( 4 ), the dates, original payees, and amount of any checks in my consumer file at Experian used to adversely characterize me.

5. Pursuant to 15 U.S.C. section 1681g ( a ) ( 5 ), a record of all inquiries received by Experian in the year ( 12 months ) preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for a full file disclosure to include all obsolete and archived information as permitted by the Fair Credit Reporting Act. It is my first full file disclosure request for this calendar year from Experian.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a person not a credit repair agency I called XXXX today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.

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