vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: OH

Complaint narrative:
I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank, let me get started extremely rude, lied about regulation e and told me it takes 14 business days on an account that is 7 months old, to investigate and process a credit for an atm they have already fixed and balanced. Then hung up on me. They still owe me XXXX dollars and some change. Awful bank closing all my accounts wouldnt recommend them. Biggest isnt the best

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On or around XX/XX/XXXX, I received a Vanilla Visa prepaid debit card as a gift. When I attempted to use the card to make a purchase on XX/XX/XXXX, it was declined by the merchant. This was the first and only time I tried to use this card. When I returned home from college for the summer, I looked into why the card did not work when I tried to use it and found the balance was XXXX. The reason for this was because there was a purchase made on XX/XX/XXXX, in the amount of {$100.00} from a XXXX user. I did not recognize this purchase nor did I authorize the purchase so I contacted XXXX and Vanilla Visa Gift Cards on XX/XX/XXXX. The representative I spoke with from Vanilla Visa Gift Cards emailed me a dispute form which I completed and returned via email the same day. The resolution I had indicated on the dispute form was a refund check. However, on XX/XX/XXXX, I received a replacement card in the mail instead of a check. I called Vanilla Visa Gift Cards on XX/XX/XXXX, and spoke with XXXX who said a check would be sent in 7-10 business days and provided me with case number XXXX. I still have not received a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: MS

Complaint narrative:
On XX/XX/14, credit inquiries were added to my credit report for what appears to be auto financing. The credit inquiries added were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Co, and XXXX XXXX. All inquiries except XXXX XXXX were reported to the Transunion XXXX. XXXX XXXX and XXXX XXXX were reported to 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 2022-08-15 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: NY

Complaint narrative:
On XX/XX/2022, I sent mailed a letter about inaccurate/unfair information on my report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation, Since sending the letter more than 30 business days ago, you have failed to respond and honor my request. This is a violation. Therefore, I demand this account be REMOVED immediately before legal action is taken!

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 2022-08-15 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: SC

Complaint narrative:
on XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in XXXX  XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I attempted to file this with the FTC, but they kept kicking me over to you. I do not have a mortgage with them. this is about deceptive advertising. I'm a XXXX XXXX XXXX and would like to file a complaint against the deceptive advertising of NewDay USA mortgage company. They are advertising for a cash-out Refinance, get {$60000.00} cash-out and also reduce your monthly mortgage payment by {$600.00}. This is impossible. Especially with the higher rates, and adding in another XXXX  XXXX fee charge. Just a bait and switch tactic The ads run daily on TV and on their website. 

It's a sad day when a veteran owned company ( that's what they also advertise ) takes advantage of our XXXX XXXX military and veterans. Their lives are already hard enough without being taken advantage of by a mortgage company. VA foreclosures are high enough without this kind of nonsense. This is just setting up failure! 

hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: SC

Complaint narrative:
Initially, XXXX XXXX failed to bill my insurance and billed me. I received a bill ( account number XXXX ) and immediately called XXXX XXXX to ask them to bill my insurance ( which was phone recorded by XXXX health and can be verified by them ), they then billed my insurance with a different account number ( XXXX ) and sent me the bill which I paid and received confirmation from XXXX that i have a {$0.00} balance with them. Again, all this can be verified by them and their phone recordings Billings and receipt of payment. I do not owe any debt. Please verify this true information with XXXX XXXX. I can be reached at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: OH

Complaint narrative:
I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: OH

Complaint narrative:
I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}

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 2022-08-15 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I purchased a vehicle through XXXXXXXX XXXX, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XXXX XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at Bridgecrest ( financial ) and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that Bridgecrest, XXXX XXXX XXXXXXXX XXXX have committed..

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Paid both of my debt/collection requesting to deletetion 3 credit bureau thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: PA

Complaint narrative:
I, the consumer has attempted to reconcile directly and through equifax and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to XXXX  equifax or XXXX  to furnish this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, the consumer has attempted to reconcile directly and through XXXX and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to Exoperian XXXX  or XXXX  to furnish this 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 2022-08-15 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:
I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft 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 2022-08-15 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:
I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
GOLDMAN SACHS IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi, This is regarding the 2 transactions worth {$1800.00} ( XXXX $ & XXXX $ ) that had happened with my Chase Account via XXXX on XX/XX/XXXX & XXXX to a same person named XXXX ( whom I dont know in any capacity ). I reached out to chase on XX/XX/XXXX as it was that time I realized some of my money is gone. This chase account is student checking account and I hardly transfer any amount to anyone apart from myself, my primary account. Chase provided me with temporary credit till the time they researched but later they told they found nothing and took back the credit. I had asked for findings as well but I havent got it till now. Also, Im an XXXX XXXX  here and XXXX $ is kind of very big deal for me. Ive been telling Chase that I dont know this person but they told theres no way they can secure my XXXX  money. I dont know what else to do to get my money back. Kindly help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 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 2022-08-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: AL

Complaint narrative:
When I was XXXX in Hawaii I bought a truck for XXXX upon contract completion I got out on military orders to leave. The lender would not allow me to ship the vehicle with me so I was forced to do a voluntary repo. After a year of discussing back and fourth with the lender I was made aware that all debt was cleared and the account was closed. Now ( XXXX later ) I happen to check my credit report and I have a collections for XXXX with the lenders name as the original lender. Im not sure what it is for, and was never sent a letter or notified of the collections before they reported it to my credit. I have taken a major loss in credit due to this. I feel it is extremely damaging to come after my credit without ever giving me a chance to dispute or resolve the debt. Thank you.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: GA

Complaint narrative:
I opted out only to find out that they was still sharing my information with orther companys

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  XXXX XXXXXXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  XXXX : Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 explanation