vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
I sent a letter to the credit reporting agencies on XX/XX/2023 informing them that they are reporting inaccurate information. The account is XXXX XXXX. It has been past 30 days and the account is still reporting. The company was not able to verify this information so why are you reporting this account? In the letter, I stated that the creditor was not able to find record of the account therefore it should be deleted. In addition, the date last active is not the same and I am well aware that all data furnished should be in compliance with the FCRA which this account is not. I am again requesting that this account be removed immediately. XXXX has since removed the incorrect information from my credit report. Please see the attached dispute letter that was sent last month which is dated and time stamped. The account that should be removed is highlighted.

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 2023-04-19 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My previous employer used my personal Wells Fargo credit card without my authorization ( i did not give them my credit card information ). My employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them.

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 2023-04-19 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: DC

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 15 USC 1681. 

XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, has 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 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 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 2023-04-19 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: DC

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 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX  : XXXX, has 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 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
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Dear Sir or Maam : I need your assistance I, XXXX XXXX am a customer of the Chase Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IA XXXX I opened a checking account XXXX of 2023 I was told by personal banker because I posed a risk to the bank I had to have a secured checking account. I explained I was a military veteran and I requested to be converted to monthly free of fees XXXX XXXX Plus account. The personal banker did not indicate what risk I posed? I explained my wife and I have an unsecured Chase Bank XXXX credit card with a credit line of {$25000.00} it didn't make logical sense I would have to pay a monthly maintenance fee of {$4.00} Also, I have direct deposit from employer utilized the checking account responsibly and I meet financial obligations to the bank. 
The personal banker indicated she would forward my information and have someone call to discuss options. To date I never received a call and this month I received a {$4.00} fee. I am requested to have all fees waived and converted to a XXXX XXXX XXXX account. 

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NJ

Complaint narrative:
remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC
State: MA

Complaint narrative:
I got affected by XXXX and seek forbearance, however, they're asking for lot of documents, I thought they aren't supposed to ask for any documents. They're not helping me at all to deal with the tough situation.

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 2023-04-19 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/XXXX LexisNexis sent me a letter stating that they could not verify my Identity or documentation could not be verified. I have submitted paperwork to Lexus Nexus several times and provided my social security card, driver 's license, and supporting documentation. LexisNexis State the information documentation was not legible. I will resubmit documents driver 's license, social Security card, Court judgment order vacating fraudulent bankruptcy, FTC identity theft report, police report. I will resubmit documents through this cfbp complaint portal making sure that documents will be received and process efficiently to LexisNexis. The following items should be removed fraudulent bankruptcies listed in the vacate order, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
I purchased a testing kit from XXXX XXXX on XX/XX/XXXX for the amount of {$33.00}. Within 15 minutes of placing the order, I emailed the merchant asking to cancel the order. They did not get back to me and ended up shipping the order. I refused the delivery of order with USPS ( XXXX ) and the item was sent back to the merchant unopened and untouched. However, the merchant has not refunded the amount and when I reached out to them, they said that they would not refund. 

I reached out to my credit card company ( Chase ) on XX/XX/XXXX about the issue to dispute the transaction. I paid for goods and those goods are not in my possession. However, they said that they could not assist with my dispute because the merchant does not offer a refund policy. 

I would really like assistance with this issue because I am now out of {$33.00} and I do not have any of the goods/services that were purchased in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am showing a collection from XXXX XXXX on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Furnishing personal information that is not accurate. Also furnishing report without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: FL

Complaint narrative:
XX/XX/2016, I sold my home and I did not get the last utilities bill from XXXX. I contacted XXXX XXXX and XXXX to forward the last bill to my new address. Apparently the bill was sent to collection without my beknowing. I found out I had a collection on my credit report from LJ Ross. I contacted XXXX XXXX and XXXX and paid the balance owed. It has been 7 years and that balance is reporting under LJ Ross. I do not owe them anything. I have been disputing the item and all the credit agency does is update it. I contacted XXXX XXXX and XXXX and they sent me a letter that the balance has been paid. Please look into this matter and have LJ Ross remove this derogatory item off my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had two debts listed on my credit report with Capital One. One in the amount of {$650.00} and another for {$410.00}. Both accounts show as written off and both accounts were settled in full. The problem is the company stated that these accounts were written off in 2022. I never received a 1099 C form. The creditor must file a 1099-C the year following the calendar year when a qualifying event occurs. A creditor must provide me with a copy of the 1099 C form by XX/XX/XXXX so that I would have it for tax filing purposes. Capital One had failed to do so. Also the debts are showing on my credit report as owed when 30 days has passed and my credit has not been updated. Please remove these accounts from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: GA

Complaint narrative:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account names and account numbers from all accounts. 

XXXX  - XXXX in the amount of {$13000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX violated my rights. 

XXXX5 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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I received a text message about debt but have no idea what this is for or what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Contacted National Credit Systems on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. Company included false charges in debt and are attempting to collect which is an illegal business practice. 
Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have spoken with the National credit systems and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-19 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: AZ

Complaint narrative:
I have sent in letters to Equifax asking to have my consumer report to be verified. I have not received any documentation upon my request. They have XXXX XXXX XX/XX/2022 Amount {$6800.00} and XXXX XX/XX/2022 Amount {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act Experian has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy

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 2023-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar Bank gave me a HELOC which I paid down. I got calls from collections for an amount that a $ XXXX payoff didnt cover ( {$500.00} ). Collections couldnt handle the full payment so transferred me to a different department which took the payment. I paid it in full from a XXXX XXXX account and 8 days later collections called again. Collections again said they had no transaction history ( departments must not share info ). Turns out they put the money toward my mortgage account. The collection practices are terrible. I also took a forbearance that they offered after XXXX XXXX and they bombarded me daily with collections calls. I paid the loan to stop the constant calls and mailings. Offering forbearance only to bombard and humiliate a customer is a terrible practice then to mistake a payment and harass a customer again shows bad practices.

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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paxful Holdings, Inc.
State: NV

Complaint narrative:
Being banned by Paxful has left me in a dire situation. Without the necessary tax information from them, I'm struggling to file my taxes accurately and on time. The missed deadlines and my frantic search for a solution have added an unnecessary burden to my already busy schedule. It's imperative that I find a solution soon to avoid any further complications.

Company response to consumer: Closed with explanation