vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I ordered a moderately expensive item from the merchant " XXXX '' via the ( fraudulent ) website https : XXXX Now if one attempts to load that website, one is warned that it is not safe, though this was not the case a month or two ago, unfortunately! 

Despite my being charged for the item, it was never sent to me. Instead the merchant provided fraudulent shipping information. Specifically, On XX/XX/2020, I received an email ( attached ) stating that the product was shipped via XXXX. If one enters the tracking number into the XXXX website, it shows that it was delivered by USPS ( the postal service ) on XX/XX/2020. However, this tracking information is not for my order, as the attached document from XXXX shows. Moreover, the item I ordered weighs 8.15 lbs, with a box weight of 26.5 lbs, whereas the shipment in the tracking information shows a shipped weight of 5.3 ounces. 

I have repeatedly tried to contact the merchant via the email address and phone number listed on the website and my receipt, but I haven't obtained even a single response. 
This is no surprise, as the merchant 's entire website ( XXXX ) appears to be fraudulent. 

Indeed, the website https : XXXXXXXX  lists 12 complaints ( all from XX/XX/2020, they appear to be new ) some of which identify the same scam ( the merchant forwards fake shipping information to the customer as well as the bank when the transaction is disputed ). Moreover, the website https : XXXX gives the merchant a " very bad trust rating of 1 % '', references many online complaints, and reports " This domain name is linked to one of more countries known for being used by fraudulent websites ''. 

In any case, XXXX and USPS have opened up cases regarding this shipment and both companies tell me that the shipment was not intended for me, as the name and address do not match my own. This proves that the transaction was fraudulent. 

Lastly, this is not the first time this merchant has been accused of this scam. I have already alerted XXXX  of the scam ( though they claim to be unable to investigate since I disputed the charge with Chase already ) and am also alerting the Consumer Finance Protection Bureau, the Federal Trade Commission, the XXXX XXXX XXXX, and the police. 

I want to reiterate the fact that the merchant does not respond to phone calls or emails. Not once. And they appear to be based in XXXX, according to scam website reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took a loan out for XXXX in 2010. My loan has more then doubled in 10 years. It has been hard for me to make payments when every month it keeps going up higher. I feel like I ha e been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Screening Reports Inc.
State: IL

Complaint narrative:
This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX # APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BANK XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXXE XXXX {$6700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX CARD XXXX {$2600.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$2600.00} XXXX, XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX # APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$2600.00} XXXX, XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: AES/PHEAA
State: LA

Complaint narrative:
US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-25 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: LA

Complaint narrative:
US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.

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 2020-07-25 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: LA

Complaint narrative:
US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and noticed the my Victoria Secret credit card was being reporting twice. One was my correct card i have had for 18 years, with current balance of {$0.00} and another was a fraudulent account showing balance of {$2400.00} XXXX around XXXX which Victoria secret had already handled and took care of but was still showing on my report. I printed out my credit report and specifically outlined with detail to remove the account with a balance as that was incorrect and not my account, but to NOT touch my open mature account ive had for almost 18 years with a {$0.00} balance and open credit line. This was very detailed as i DID NOT want my account closed. A month later when i went to check my credit report i noticed by long standing credit account with Victoria Secret had been closed. I was devastated as not only did that lower my available credit but it took away years of my credit history. I was in the process of starting to pay things down on my credit to build up my credit and this really hurt my credit. Again, i did not request this account closed and when i called Victoria secret they understand this was a error but advised they could not reopen my old account. I request the CFPB to please request them to reopen my long standing account that i was in good standing with as this was done in error please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I have a loan with ONEMAIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX   and ONEMAIN with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation