vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To whom it may concern I have contacted TransUnion on multiple event today to get a copy of my report to file a dispute that was shown to me through my Experian application there are numerous of inaccuracies and incomplete transactions on my report including names address and account this affects my rights as a consumer not be able to have a accurate and complete credit report please have some one contact me as as possible to complete the disputes thats are affect my FCRA RIGHTS AND LAWS

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 2023-04-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to dispute the credit card activity on my account for the amount of {$4500.00} on XX/XX/2022. I have attached the receipt of loss claim with the claim number XXXX and the order details for your review. 

I received my order from XXXX XXXX on XX/XX/2022, and unfortunately, the goods were damaged during transportation. The items were not packaged properly, and as a result, the goods were dented, scratched, and unusable. Therefore, I request that you investigate this matter and issue a refund for the disputed amount.

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 2023-04-25 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: NV

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 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # 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 : Also states a consumer reporting agency can not furnish an 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 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 ) States 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I was supposed to receive a {$220.00} bonus for opening an account at Chase Bank. I have maintained the minimum balance and completed an ACH transfer to my account. I called customer service in the last week of XXXX, and they said to wait. It has been two weeks since the bonus was supposed to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this XXXX account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this XXXX account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
When disputing a medical bill, Rash Curtis sent me an account statement from an unknown third party debt collector, XXXX XXXX XXXX I do not recognize this company or information it contains. XXXX XXXX XXXX did not list a physical address. XXXX XXXX also claims to be a " Pending '' licensed debt collector but I can not find any information about this company with California Secretary of State, The DFPI, or through the XXXX XXXX fictitious business registry site. XXXX XXXX XXXXXXXX is not registered as a licensed debt collector in California. The letter was from Rash Curtis so I am not sure who this third party is and their relation to the medical bill. 
I was not given instructions on how I can dispute this medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
I have hard inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX , XXXX XXXX , XXXX  XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX that needs to be removed immediately from 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 non-monetary relief
Consumer complaint received 2023-04-25 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:
I have disputed Account Name : XXXX Account XXXX : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX certified mail to Experian : XX/XX/XXXX Credit Bureaus, XXXX, XXXX XXXX and Experian, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and XXXX does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report. 
They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX i didnt receive a card nor did i apply for credit with these agencys or banks plese resolve thanks

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 2023-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
My HSA with Optum financial was closed on XX/XX/23 because my employer has moved over to a new custodian and I requested a roll-over of my funds approximately {$25000.00}. 
I received an email confirmation of account closure and it was stated the funds will be released in XXXX business days. When I contacted customer service on XX/XX/23, I am being told that it will take up to 8 weeks to get the funds. 
I would like to know if the bank is allowed by law to keep my money up to 8 weeks after closing my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. 

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX XXXX XXXX closed andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX Closed accounts that are affecting my credit negatively after being paid in full. 
US Dept of Education- closed accounts that are affecting my credit negatively after being paid in full. 
XXXXXXXX XXXX XXXX XXXXXXXX-Collection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.

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 2023-04-25 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:
I filed a dispute on XX/XX/XXXX for an Auto loan that was paid off in a bankruptcy that i had filed. The Company i had the account with was XXXX XXXX. I provided actual court documents which say i have completely paid off the loan for the car and the last dispersement to them was XX/XX/XXXX. I gave them transaction dates were every date the got paid from the trustee from the bankruptcy. All these files are all public access online and my lawyer. The last date on the dispute that says that they have received payment on the account was XX/XX/XXXX which was the last dispersement. They show no other payments at all. They say i only made XXXX payments and i XXXX. XXXX, XXXX, and Experian all have the account with the balance as XXXX or XXXX and that's not right. The balance is actually paid off and i would like my reports to reflect that.

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 2023-04-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
Please note that a complete narrative of the events is included in XXXX which is my first language in order to prevent misinformation and the lost of important details needed to present this complaint. 

1. For several years ( since XXXX ) I have been trying to receive information about decisions, status, letters among others from the mortgage account I have with Banco Popular, however the bank refuses to keep my contact information as co-borrower current and available. I have asked Banco Popular on numerous occasions to keep updated information on both parts, borrower and co-borrower on their records without been successful. Banco Popular has stated that if one of the parts changes the contact info they can not do anything to avoid it. 

2. Banco Popular has failed to provide evidence of the cancelation of previous debt on my property ( before the current loan was signed on XX/XX/XXXX ) ignoring federal and state laws among others dispositions and regulations. 

3. Banco Popular has provided misleading and inaccurate information of the nature of the debts marked on my property making me think that I am responsible for it when it is Banco Popular as investors and current owners of the account the solely responsible of provide evidence of cancelation of the legal financial debt on my property BEFORE I became the owner ( Banco XXXX XXXX ). 

4. Banco Popular violated my right to start a loss mitigation process in order to keep my property from foreclosure since XX/XX/XXXX. 

5. Banco Popular has presented a legal process of foreclosure ( dual tracking ) at the same time that is obstructing the Loss Mitigation process forcing me to resign to my legal right to receive a copy of the appraisal as established under COA, 12CFR ; 1002.14 ( a ) ( 1 ), TILA and RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a series of automated emails from CapitalOne that said I changed my profile phone number, was approved for a new credit card, and accessed my account through a new device around XXXX  of XX/XX/25. I did not recognize any of this activity so I called CapitalOne. Despite sending me emails, they confirmed I did not have any credit cards in my account, however they would not explain why I received any emails to begin with, so I'm unsatisfied with the response. 

Second, while on the phone I was bounced amongst multiple representatives, but one told me that I had a savings account under my profile ( linked to my social security number ). I was told it could have been opened many years ago. I do not remember opening this, however it does not mean I didn't. They refused to provide me any way of verifying if this savings account under my own social security number is valid. The only solution they offered was to flag it as a fraudulent account and close it. I deserve to know whether this is my account, and closing it without investigating it is not appropriate. 

I want all credit cards under my social closed, and also that for my wife, XXXX XXXX. For any checking or savings accounts, I need to be given a level of information for me to validate whether these are legitimate. Once confirmed, if they are not legitimate, these also need to be closed. 

The multiple representatives I dealt with each had incomplete information and were unwilling or unable to assist the above requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased my home in XXXX. 
Down-payment of {$63000.00} {$260000.00} purchase price.. 

XXXX XXXX XXXX, XXXX, Pa. 

I beleive Wells Fargo moved in a predatory mortgage lender fashion. 
Adding an " Unlawful '' Escrow account of a added payment of {$1900.00} @ month, on top of my {$1100.00} @ month mortgage payment on the XXXX XXXX XXXX property owned by Me. 
XXXX XXXX XXXX XXXX. 

Causing excessive Fees and hardships. 
Causing a Loss of my property through the " Foreclosure '' process in XXXX. 

Loan modifications were submitted. But were not granted nor applied in time to save property from " Foreclosure '' ... 

Contacted Wells Fargo on XX/XX/XXXX to seek Claim settlement. 
Spoke with XXXX with no results, requested Wells Fargo supervisor to Call back. Due to lack of availability, according to Wells Fargo " XXXX '' CS rep.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi I have issues with XXXX  XXXX XXXX XXXX XXXX  and Chase i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 2023-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation