vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
While my husband and I were in XXXX XXXX, several charges were made physically on our credit card by an unknown entity in New York called XXXX XXXX We did not make these charges and our credit card was physically with us. When we returned to the states we reported it and chase bank failed to honor its zero liability fraud policy. It also failed to conduct a good faith investigation into what the charges were, who the merchant was and how we could possibly be in New York using our credit card at the same time we were in XXXX XXXX using it. They refused to honor their zero liability fraud policy and decided we received a benefit and they would not reverse the charges. We received no benefit and they can not tell us what benefit they believe we received. They also did not decide this matter in a timely manner in accordance with the law which is 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, a natural person and this is me physically sending this dispute. 
I am writing to dispute the recent hard inquiry placed on my consumer report by your agency, as it violates several provisions of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, your agency is in violation of consumer rights laws by using false, misleading, and deceptive means. By furnishing this account to consumer reporting agencies without providing the required disclosures, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby request that you remove the hard inquiry from my consumer report immediately and provide me with the necessary validation information as required by law. Failure to do so may result in further action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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.

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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In a recent transaction involving Chases business digital payment service, my experience as a XXXX XXXX XXXX was significantly undermined due to a series of administrative failures and negligent handling of funds by Chase. Last year, I utilized ChasePay to receive a critical business payment from a client. The payment was for hospitality services which the after reception of the payment, I as a XXXX XXXX  took on the cost due to the fact that initially, I was assured by Chase representatives that the payment would be processed and made available in my account within a two-week period. 

After the promised timeframe elapsed without the payment being processed, I requested an escalation of my case. Subsequently, I was informed that the funds had been sent back to my client. Contrary to this claim, my client has confirmed that they never received the returned funds. To date, neither I nor my client have received the funds in question. 

The direct consequence of this failure includes not only the non-receipt of a substantial sum but also the accrual of upwards of {$10000.00} in related fees and operational disruptions. 

Adding to the grievance, my account associated with ChasePay was abruptly closed without a satisfactory resolution or explanation, leaving my business to bear the financial brunt of this oversight. 

This incident highlights a disturbing lack of accountability and an inadequate response to customer needs by Chase, which has not only impacted my business operations but has also eroded my trust in their digital payment solutions. 

Such experiences raise significant concerns about the reliability of Chase 's systems and their approach to handling sensitive business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX reported to the credit bureau that i owe them {$13000.00} i called XXXX and asked them to provide the contract bteween me and them stated the i owe them {$13000.00} all i got from XXXXXXXX XXXX is the runaround

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed an incorrect bankruptcy listing with this company. They claimed it was verified by XXXX. I contacted XXXX, which investigated and deleted the incorrect information. I then provided Equifax with a letter from XXXX confirming the deletion. However, Equifax continues to state that the bankruptcy is verified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
NAVY FCU XX/XX/XXXX, XX/XX/XXXX NAVY FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NAVY FCU XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Hard inquires on my report that are inacurate, unauthorized, and need to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-08 00:00:00
Product: Credit reporting 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: NY

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. 

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 2024-06-08 00:00:00
Product: Credit reporting 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: NY

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.

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 2024-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I responded to a " {$10.00} coupon '' to use my previously dormant Victoria 's Secret Comenity Bank Credit card. 

On XX/XX/XXXX, payment was due, and Victoria 's Secret Comenity Bank charged me a {$30.00} late fee when it was not received. 

I scheduled a payment on XX/XX/XXXX, then called in to get the late fee waived as this was a first. 

The company declined to waive the {$30.00} fee, and pointed me to a change of terms in the previouis three months. I asked if this change had been communicated to me in a letter or an email, and they were unable to confirm. They said it was most likely in an XXXX statement. I pointed out that I had not received a statement in XXXX as my card was not used then. They were unable to honor the terms of the agreement I had in place with them, and would not refund the full {$30.00} late fee. 

I asked when the {$8.00} late fee cap couldn't be going into effect. They said it went into effect in XXXX. I asked why I had a {$30.00} late fee on XX/XX/XXXX. They were unable to explain why. 

So I got baited into using a {$10.00} coupon, and instead now have to pay {$30.00} - a net {$20.00} loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ONEMAIN FINANCIAL XX/XX/XXXX, XX/XX/XXXX Hard inquires on my report that are inacurate, unauthorized, and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more that 7 years old. Consumers reporting agencies must correct, or delete inaccurate, incomplete, or unverifiable information. Incorrect information, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information IT HAS BEEN VERIFIED AS ACCURATE. If consumer reporting agencies, or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, and I may be able to sue in state or federal court. 
According to www.consumerfinance.gov/ learn more ; Credit Reports & Identity Theft , fair debt collection practices act, consumer reporting agencies are required by law to remove most negative information about your account after 7 years, most keep selling consumers information. This account was opened XXXX XXXX, XXXX, which means in XXXX, this account was too old. The statue of limitations in Georgia is 6 years. Upon 6 years, the debt will become time- barred. This account is over 9 years and 7 months. Capital one started collected payments after the 6-7 year mark, which is definitely a violation. I have also requested documents from my bank showing I was making pay.ents monthly, after the 6-7 year mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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. 

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
XX/XX/year> {$330.00} XX/XX/XXXX XXXX {$960.00} XX/XX/XXXX XXXX {$73.00} Ive submitted disputes and also called the company to rectify this 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 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more that XXXX XXXX XXXX. Consumers reporting agencies must correct, or delete inaccurate, incomplete, or unverifiable information. Incorrect information, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information IT HAS BEEN VERIFIED AS ACCURATE. If consumer reporting agencies, or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, and I may be able to sue in state or federal court. 
According to www.consumerfinance.gov/ learn more ; Credit Reports & Identity Theft , fair debt collection practices act, consumer reporting agencies are required by law to remove most negative information about your account after 7 years, most keep selling consumers information. This account was opened XXXX XXXX, XXXX, which means in XXXX, this account was too old. The statue of limitations in Georgia is 6 years. Upon 6 years, the debt will become time- barred. This account is over 9 years and 7 months. Capital one started collected payments after the 6-7 year mark, which is definitely a violation. I have also requested documents from my bank showing I was making pay.ents monthly, after the 6-7 year mark.

Company response to consumer: Closed with explanation