vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Starting in XXXX of 2023, I was trying to submit to purchase a property when there was a public records on my credit report. Submitted proper documentation to XXXX to verify and take proper steps to remove from my credit report. After receiving a letter from XXXX that information was unverifiable, it was removed from my credit report by XXXX and XXXX. Submitted a dispute with Experian providing support that bankruptcy on file is not mine. 

Recieved a response stating information has been verified- when I called customer support to ask which company verified such information, no one would provide the response and told me to resubmit another dispute if I did not agree. After 3 attempts, no one provides source for verified information - on Experian 's website, it states that Public Records are verified through XXXX, but yet, XXXX does not have this information on my credit report. 

I went on PACER website, XXXX, and the give bankruptcy court website, and neither provide the information to credit bureaus for verification - Experian will not release source that verifies that public record to my 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of XXXX payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MI

Complaint narrative:
A {$100.00} gas gift card was purchased at an XXXX XXXX Gas Station on XX/XX/. The clerk at the time said the first transaction " did not go through '', so she rang it up again. We are unsure whether it was the same or a different gift card that was scanned the second time, as it was not visible to us. Regardless, a singular gift card with a {$100.00} balance and a single receipt detailing such was received by us and later given as a birthday gift. 

Upon receiving the credit card statement from the card used to purchase said gift card ( a Chase bank credit card ), the {$100.00} charge appeared twice, once for each " transaction '', though, as mentioned above, only one gift card was scanned and received with a balance of {$100.00}. The balance was also reconfirmed with the gift card recipient. After multiple attempts to contact Chase via telephone, a dispute was finally created for a double charge ( Code 392 Duplicate Sales ) and we were updated via letter that the dispute was being investigated as ofXX/XX/XXXX The dispute was denied on XX/XX/. The evidence provided was an email sent from XXXX XXXX Card Services to the retailer issuing a chargeback. On the provided email, the dispute reason is circled, and " Yes '' is handwritten, though it is unknown by whom. Two separate receipts were also given, each with a {$100.00} " XXXX XXXX '' transaction. The receipts were identical besides having different transaction numbers ( XXXX and XXXX ) and being 38 seconds apart. 

This evidence provided suggests either that : 1. The retailer agreed that the chargeback was valid, as portrayed by the hand-circled " Yes '' in the email copy, and Chase still refused to issue the chargeback. If this is the case, Chase needs to provide more evidence of the denial reason. 
OR 2. The retailer disputed the chargeback to XXXX XXXX Card Services, who then disputed it to Chase, and provided only the 2 receipts as " sufficient '' evidence. If this is the case, given that the item purchased was a gift card, it seems reasonable that Card Sevices should be able to identify that either the same unique gift card was scanned twice or two separate gift cards were scanned. Should the latter be the case, the denied dispute would make sense, and a police report would be necessary for theft ( regardless of whether it was the fault of the sales system or the clerk ) given that only one gift card was received.

However, we have no way of knowing given the extent of the evidence provided, as regardless of what occurred, the evidence is wholly insufficient as it was provided, and no further explanation was given. 

Chase has provided no way to appeal the decision or request further evidence besides their normal helpline for questions which has proven unhelpful as representatives are rarely available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 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: Evergreen Moneysource Mortgage Company
State: NV

Complaint narrative:
Multiple loan originations have been fraudulently originated on my behalf by Evergreen Moneysource Homeloans/ Evergreen Moneysource Mortgage XXXXEvergreen Homeloans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about : XX/XX/XXXX Loan # XXXX for {$270000.00} XX/XX/XXXX Loan # XXXX for {$170000.00} XX/XX/XXXX Loan # XXXX for {$140000.00} I am confused and do not understand how this could occur. This is major Consumer Abuse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I never opened an account! I have no credit cards! It's fraud! Why does it take me forty minutes to report this online! Indigo Mastercard is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: NJ

Complaint narrative:
I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX XXXX # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an 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 2023-06-25 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: NJ

Complaint narrative:
I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX  acct # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
In XXXX, I discovered the presence of two credit card accounts on my credit report from XXXX XXXX XXXX XXXX and XXXX Card Services XXXX. To my surprise, the account details indicated that these accounts were opened in XXXX and XXXX, respectively. It is important to note that these accounts appeared on my credit report XXXX years after their supposed opening dates, and there was no record of any credit inquiry by XXXX. Despite multiple attempts to dispute this inaccurate information, the credit agencies insisted on verifying it. 

In response, I took proactive measures to protect my credit by placing a security freeze on all three major credit files, including the secondary reporting agency. Fast forward to XXXX when I opened a business checking account with XXXX Bank. To my dismay, I discovered that the two credit card accounts were still listed on my account profile. Understanding the seriousness of this matter, I immediately contacted XXXX 's fraud department to request the removal of these erroneous accounts. They conducted a thorough investigation and successfully removed both accounts from my profile. 

Although all three credit agencies have since removed this inaccurate account from my credit profile, it is disconcerting to note that Innovis continues to claim that they have verified the information, which is clearly not the case. I kindly request that Innovis conduct a comprehensive investigation into this matter and rectify the situation by promptly removing the erroneous account from my credit profile. It is crucial that my credit report accurately reflects my financial history, and the presence of this inaccurate information undermines the integrity of the credit reporting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PRA has not yet removed this old outdated account from my profile. There is no statement of activity and most recent date of XX/XX/2015 would make this account too old to even be on my profile. 

1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists PRA is not licensed in my state and I demand removal or expect monetary damages in the amount of XXXX dollars for each month this has reported to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have an American Express credit card ending with XXXX. I received a {$50.00} for a promotional offer completed more than 10 months ago. But this week, they charge the credit back saying the offer was not completed. I disagree with this decion since it had been so long and I had never received any notice within the offer time frame that I did not meet the requirements. If they inform me so I can have time to meet the requirements. But since they did not inform me anything after the credit was applied for 6 months. I thought it was ok. I tried to solve the problem with this company, but they asked me an XXXX year old man to search their terms. All 4 customer services I talked to refused to have someone review the credit reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of 4 payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Bank member and am unable to access my accounts either via web or mobile app because they have a 124-page Digital Consent Agreement that they are requiring I read and consent to before they will provide access to my account. THIS IS WRONG!!!!!! I understand that most people just click the box but I AM NOT IN AGREEMENT WITH something I haven't been able to read ESPECIALLY when the account is virtually held hostage to force compliance and I am certainly not comfortable with the language used in just the initial couple pages. It's intentionally confusing and if it wasn't DANGEROUS to our freedoms and financial controls why would they demand consent before you can use your account. PLEASE CONSIDER THIS AN URGENT MATTER!!!!!! I and other CHASE bank members deserve your help immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly m

y report is 4 pages. I wasnt able to get my Experian report. 

I also did not receive monetary damages from the class action suit against Experian for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account is for XXXX. 
I've disputed the missing Payment History several times. Experian removed the year XXXX and XXXX from this account. This is no longer FAIR. 
Experian claim the account open date is XX/XX/XXXX but the Payment History begins XX/XX/XXXX. How? 
This account is missing 17 months of Payment History that's required to make this account ACCURATE and COMPLETE. Based on the reporting of this account it must be deleted under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TX

Complaint narrative:
I have reached out several times to First Progress bank in regards to my refund. I feel like they aren't processing my refund out of spite, because I submitted another complaint on them before in regards to my refund. I closed my credit card account with First Progress bank on XX/XX/2023. They told me that it could take 70 days no later than ten weeks for me to get my {$950.00} back. I have called and called and called them. They out source to the XXXX XXXX for their call center, so the people on the other side of the line either don't understand, nor don't have any information to provide to me. I'm at my wits end with trying to reach out to them to get the money that is mine returned to me. I have waited patiently for their 70 days- ten week policy, but now I just feel like I'm either being taken advantage of, or they don't care. Like I told them, I I don't have a check in my hand for the {$950.00} they owe me ( MY MONEY ), then I'm filing a lawsuit, for loss, amongst other things, and I'm an attorney. I really don't think they want to deal with my legal drama. All I want is my money back, and never to do business with them again.

Company response to consumer: Closed with explanation