vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 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: FL

Complaint narrative:
I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.

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 2021-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the Equifax data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: MS

Complaint narrative:
For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

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 2021-12-26 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: MS

Complaint narrative:
For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

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 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is in regards to my Chase visa credit card. I have been a customer of Chase Bank upward of 30 years. I found out a transaction at XXXX was being declined {$200.00}. Just prior to that I had made XXXX payment from my same account and login where I have checking account ( I have checking/saving/credit card all at Chase..same website ). still declined. So I called Chase card..two operators one after another the pinnacle of rudeness and unhelpful attitude..I kept requesting that the hold be removed. The holier than thou and condescending attitude displayed by specially this lady account manager who upon asking 8 or 9 times by me connect me to a supervisor completely ignored me and was being hostile and extremely offensive and rude.Noteworthy I had made XXXX payment just in the prior month..instead of being appreciative they treated me worse than a deadbeat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: GA

Complaint narrative:
I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( Equifax data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet Equifax, XXXX, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: MS

Complaint narrative:
The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with Equifax Information Services and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
Vanilla gift card purchased at XXXX in the amount of {$200.00} ( XXXX XX/XX/21 ). The {$200.00} was on the card. The card was checked again later and the balance was XXXX cents. There was one purchase for {$190.00}. The card was not accessible by anyone and this is a fraudulent charge. Vanilla Gift card customer service screamed at me. It has been the worst thing I have ever had happen of this nature. It is really obvious it was fraud. I feel like I should receive my money back promptly. {$200.00} is a lot of money for us. I can't believe they are allowed to operate like this. I tried contacting the vendor without any luck. I think the merchant website is fraudulent, too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: Four Directions Lending LLC
State: LA

Complaint narrative:
Hello, I am writing to investigate an email I received from a company called XXXX XXXX, stating that they denied my request I made for a loan with them, but I have never applied for a loan with this company ever. They also had an old address on the email that I had 11 years ago in Washington state. Is this a scam or has my credit report been accessed by this company without my consent? Please let me know if this company has really accessed my credit report. The company 's name is : XXXX XXXX, and they are based in XXXX, Wisconsin. I tried to call the number provided to inquire about this, but there was a strange recording that came on and I could not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and Transunion are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.

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 2021-12-26 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
The Collection Agency CCS COLLECTIONS, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied Paypal credit card through Synchrony Bank on XX/XX/XXXX. THe first month, there was an unmarked fee of XXXX dollars in my statement dated XX/XX/XXXX. I called on XX/XX/XXXX AM and asked about this. XXXX at Synchrony Bank told me that it was a security fee I signed up for monthly protection in case I can not pay the bill. I was upset since I did not need or sign up this service. I asked to cancel this fee, but told that I would need to talk with another team. After transferring the line, I was cut off. I called twice more, but still can not cancel this fee and service with Synchrony Bank.

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 monetary relief
Consumer complaint received 2021-12-26 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: GA

Complaint narrative:
I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, XXXX, and Transunion dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.

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 2021-12-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, Experian, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.

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 2021-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX while on vacation in XXXX we stayed at the XXXX XXXX XXXX, we were cornered into a travel membership in which we were told that it could be cancelled at any time by the representative, we still stated that we did need this additional expense but they insisted to try and then we could cancel if it didnt work for us in which my they did not credit card was charged {$2800.00} with a re occurring charges of {$43.00}. When we returned to the USA we reach out to the company that we would like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and the representative XXXX XXXX in order to not loose our money we would have to do a revised membership and and then we could cancel if the service provided was lacking. Under the advisement of XXXX a representative of XXXX XXXX we agreed with a temporary membership with the intent to cancel. We have been sending cancellation requests for the last 8 months and no response. We finally reached out to our credit card company Capital One to file dispute against the charges because the company refused to cancel the membership and issue a full refund. Capital One is still allowing this company to charge my credit card and with monthly reoccurring charges after repeated request to stop payments.

Company response to consumer: Closed with explanation