vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
I purchased furniture with a Chase card on XX/XX/2021 in the amount of {$5700.00}. As of today, XX/XX/2021, the furniture has not been shipped nor is the company returning my phone calls. I initially disputed the charge in early XXXX after non response from the furniture company. I received a letter on XX/XX/2021 that was dated XX/XX/XXXX from Chase, stating that I needed to provide additional documentation by XX/XX/2021. Since the letter is mailed 3rd class, I did not receive until XX/XX/XXXX, impossible to respond within 7 days. I subsequently uploaded the information to Chase secure website ( which I am attaching below ) stating that the furniture was never shipped with supporting documentation on XX/XX/2021. After numerous calls and letters, latest also being attached from XX/XX/2021 stating under review, I called Chase today and was told that the case was closed now due to timing and nothing I can do. Stating they reviewed information and I did not respond in the time frame. The bottom line is the company has never shipped the goods, Chase in terms of what they received ( also attaching ) has nothing that has a signature or verifies that shipping occurred. I hope you can assist me in this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM AN AUTHORIZED USER ON 2 CREDIT CARDS THAT ARE NOT BEING REPORTED ON MY CREDIT REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have an unauthorized hard inquiry on my XXXX  credit report by CBNA Citi Cards. I filed a dispute with XXXX  and they contacted CBNA and CBNA Citi Cards reported to them it was an authorized inquiry when it was not. I contacted XXXX  again and they said CBNA Citi Cards has reported to them that I applied for credit with them when I have not. XXXX  said I have to contact CBNA Citi Cards to have them submit a deletion request. CBNA Citi Cards is telling me to resolve it with XXXX. No one is willing to fix this for me. There is no contact information for CBNA Citi Cards to dispute and resolve this issue. All customer service numbers are for active accounts which I do not have so they are not able to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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:
Need these 4 Inquiries deleted from Personal Credit report with Transunion XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Home Furnishing XXXX XXXX  XXXX XXXX, TXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/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 2021-08-23 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests sent to TransUnion, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC Sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
US DEPT ED-Balance $ XXXX Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX USDOE/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/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 2021-08-23 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX. The check was cashed, but not by XXXX XXXX. Wells Fargo did begin an investigation. Over the last 120 days I have received four letters from Wells Fargo. All four letters said basically - there are two possible outcomes : 1. Wells Fargo will return the money to me, or 2. Wells Fargo will provide all the documentation from their investigation. Today is 120 days. I have tried multiple times in the last few days to contact the Wells Fargo check fraud case managers and they will not return my calls. I am asking the CFPB to help me get an update from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: WI

Complaint narrative:
Asked the 3 credit beaurows to validate my negative accounts and never received validation from them on any accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
1. Equifax has been reporting incorrect and out dated information which causes me to have a lower than average FICO scores and pay higher interest rates.

2. Equifax continues to report high usage on my revolving accounts as above normal, as if I am over using my available credit and not paying it when in fact I have been paying my accounts in full every month, no less than 80 %.

3. Equifax has made a decision to report my revolving as high usage, when I do not use large amounts without paying them off in full or close to it.

4. Example : Equifax when I am on vacation I use my credit cards for safety, points, discounts and travel records. Afterwards, I get dinged on the day of that I have used my card as if I over used it, but if I pay it off it takes them 30+ days to get it recorded and updated. Meanwhile, if I apply for credit, my FICO fall into the lower numbers resulting in higher than average interest rates. Drops sometimes as much as 20 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM AN AUTHORIZED USER ON 2 CREDIT CARDS THAT ARE NOT BEING REPORTED ON MY CREDIT REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM AN AUTHORIZED USER ON 2 CREDIT CARDS THAT ARE NOT BEING REPORTED ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
Old debt that was due to identity theft still showing monthly Charge Offs even after account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear Sir or Madaam Capital One is showing up as an open account thats been paid off and been closed iThis account was suppose to be removed from my credit report XX/XX/XXXX Ive contacted Capital One on several occasions I even was sent a letter last year that it would be removed and it s not as of this date. My social security number was found on the Dark Web since XXXX I also had a hacker by the name of XXXX XXXX in my credit file 2 years ago and some of this person s information is still in some of my credit reports Thank you Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: NV

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I applied for a conventional home loan with PNC mortgage, which is the company I used to purchase my home 12 years prior. I was relocating a few states away and process seemed to be going slowly with no updates and then finally no communication from the loan officer or her processors. My Realtor and I inquired as to the Appraisal and was told it was completed, but then the Appraisal company told me and my Realtor a few weeks later that they didn't ever complete it. I had paid almost {$600.00} for the appraisal ahead of time. I ended up going to another Mortgage Broker ( XXXX XXXX ) to save the contract and I was able to get the loan closed after a few weeks. I requested my money back from PNC and the loan officer on XX/XX/2021 and was told she would look into it but I have not had any further communication or my money refunded to me. I ended up paying for an Appraisal that I never received and having to pay again for one I did receive from the new lender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,689-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there is incorrect information on our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
citi bank lowered my credit score three points and it says because citi bank removed their mark from my account that makes creditor see me clear where it cost me three points.why citi bank did add or remove this mark what the changes or the updates that made them do that i have no clue/ i called citi bank they denied and all creditors say its Citi bank behind lowering my credit score. 

my emails XXXX XXXX XXXX XXXX its like once i write complain i dont think i should write same exact email address and not sure why this huge cruelty to reduce my credit score three points on XXXX XXXX, XXXX, XXXX  .I want to know why citi bank reduce my credit score three points, please have this abuse stop. 
please look at the last report where you would see that my credit score went down three points and citi bank refuse to tell me even why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
Good afternoon, I am writing because TransUnion, XXXX  and XXXX  are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, 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 2021-08-23 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: CA

Complaint narrative:
During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CA

Complaint narrative:
During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.

Company response to consumer: Closed with explanation