vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-03-10 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: WA

Complaint narrative:
In XXXX of last year ( 2021 ) I ordered an icemaker from XXXX through XXXX using my Chase Amazon Visa card. The order was not delivered and eventually disappeared from my XXXX order list. I searched my order history, found the order and cancelled. I then ordered a different, smaller ice maker from XXXX XXXX XXXX on my Chase card, I did receive this one. I realized I was still being charged for the first ice maker as well as the second around late XXXX. I filed a dispute through Chase and the charge was reversed. Early XXXX I received a letter from Chase stating I was denied the dispute and re-charged. In the denial documentation from Chase was attached the shipping information of the first icemaker showing it was delivered to XXXX XXXX My Billing, shipping, and delivery address is XXXX XXXX  XXXX, The complete opposite side of the country from where the delivery of the first ice maker was made. I contacted Chase twice more with this information. Even though " most '' representatives I talked to acknowledged I was wrongly being charged I was told I had to make a formal dispute by Letter through USPS with all supporting documentation. I printed Emails from XXXX and XXXX that both Acknowledge I never received the first ice make and show I will not be charged for it. I Included a letter with this to Chase explaining all this as well. I received another denial letter from chase XX/XX/XXXX. At this point I feel like I am a victim of criminal activity toward me from Chase and would truly appreciate any help I can get with this matter. I will attach the letters from XXXX and XXXX as well as my dispute letter to Chase. For reference the amount I am disputing with Chase for the first icemaker is {$2400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 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: CA

Complaint narrative:
In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed 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 2022-03-10 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: OK

Complaint narrative:
I Am the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific XXXX they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the XXXX that I have requested to be removed from my consumer 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 2022-03-10 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: OK

Complaint narrative:
I Am the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific XXXX they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the XXXX that I have requested to be removed from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: OK

Complaint narrative:
I'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer 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 2022-03-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, as of tonight I was catching up on some bills and saw that my credit report changed on my XXXX XXXX account. Ive never bother with checking that stuff because its not always accurate. Well I clicked on it and saw that there is multiple delinquent account reports affecting my credit that belongs to my ex husband and somehow my name is attached to his account. We have been separated since 2020 and waiting on divorce to be finalized, Ive never used his account nor do I have any access or cards to his account, this is all stuff that needs to be reporting and affecting his credit status, not mine. Its showing JPMCB which I do not have anymore as of 2020 when I switched to a new bank. Please remove this from my credit report with these inquiries showing as far back as XXXX when it started to arise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NCB Management Services Inc.
State: PA

Complaint narrative:
I recently checked my credit report and noticed to inaccurate accounts. 

Account under the name of NCB Management Services has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name XXXX XXXX XXXX was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have witness several inquiries on my credit report from XXXX, Transunion, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXXe To, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 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: LA

Complaint narrative:
I have witness several inquiries on my credit report from Experian, XXXX, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an Experian to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
I paid XXXX XXXX XXXX {$1700.00} in XX/XX/2021 to install chain link fence around my back yard. About 2 weeks later at XXXX two men arrive at my house saying they are here to install my fence. I told them I hired XXXX with XXXX XXXX XXXX. They told me XXXX told them to do the job. They were at my home for 20 minutes, they installed 3 posts and 12 ft of fence, 190 ft of fence & posts, & 3 gates were supposed to be installed. My TV went out, they had dug and cut my XXXX cable wire. They said they would be back, they left and never returned. XXXX from XXXX XXXX also did not come to my house. My calls to him were answered with excuses then I would leave a message and no call back. I hired another fence co. XXXX XXXX XXXX XXXX to do the job. They did a wonderful job and they were paid in full, see attached paid receipt. Numerous letters back and forth between me & and Capital One and I am still being billed {$1700.00} for services never received, see attached letters. XXXX XXXX stole my {$1700.00} and I am due a full refund back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NY

Complaint narrative:
1.In accordance with Faircredit Reporting Act, XXXX Bankaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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.

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 2022-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
A collection by the name of National Credit XXXX is being reported on my credit report and it seems to be the result of fraud. I have contacted the company directly and they have share they are collecting on behalf of XXXX XXXX. I shared with the agent this account does not belong to me and it's may be the result of fraud. I requested a copy of the contract to file a police report but none was given. I have also disputed the collection several times with the credit bureau and they still remain listed as verified and accurate. I have place a freeze on my credit report to prevent further fraud opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Derogatory report was drop but still not fix XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc.
State: NV

Complaint narrative:
This is Not my debit. I did Not have XXXX coverage the date I was billed. I spoke to a representative at XXXX who said she took care of the matter last year. I had XXXX coverage and I have Proof. I lived in Nevada also. So this is Not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: AZ

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
from XX/XX/XXXX to XX/XX/XXXX, I i paid the mortgage company a extra {$50.00} to {$75.00} a month thru the whole 12 months into my escrow account, and then paid a additional {$300.00} in XXXX of XXXX into my escrow account, I did this just in case my property taxes were to rise unexpectedly. When my property taxes came due, the check I got from the bank was roughly {$250.00} short of what the tax bill was, I called the bank and asked them why they did not release all of the money in my escrow account, and they said that was all the money I had in my escrow account. I know I have roughly about a {$1000.00} in overages in my escrow account, I called the bank, the lady i talked to did confirm i had a overage in my escrow account in the amount of {$1000.00} and would have the accounting department issue a check for me in that amount. 3 weeks later, i recieved a check in the mail from us bank in the amount of {$340.00}. This amount is signifigantly smaller than what they had told me was in my account. i also was checking out the balance of my escrow account throught the year, and thought it was strange that after the end of XXXX, my escrow account was not growing, even tho i was still adding money to my escrow account. I called us bank and they said, oh yes, it is still growing, even though the statement did not reflect otherwise. i called us bank and asked them why the did not release the rest of the money, and they said that was all the overage they had. Every time i called them, it was a different story. 
All i want is just what is owed to me, nothing more.

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 2022-03-10 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: NY

Complaint narrative:
1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount XXXX XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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.

Company response to consumer: Closed with explanation