vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit 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: OR

Complaint narrative:
Upon reviewing my credit card statement with Chase Bank, I noticed two charges of {$700.00} from the same vendor. One charge was legitimate, but the other was not. After months of discussions with the vendor, the vendor agreed to issue a refund for the duplicate charge, but as of XX/XX/year>, I have not received it. 

I filed a dispute case with Chase Bank on XX/XX/year>. On XX/XX/year>, I received an email requesting additional information, which I have collected. However, before I could submit the supporting documents, Chase closed the dispute, claiming it was resolved. The issue remains unresolved.

I called Chase Bank, but the support specialist couldnt explain why the dispute was closed early or why it wasnt resolved. I requested to escalate the issue, but was denied. They offered a callback within a week, but no date or time was given. As of XX/XX/year>, I am still waiting for a response on the status of my dispute and resolution from Chase regarding the duplicative charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reported a fraudulent usage of my card to XXXX XXXX they initially cancelled the then present card and issued me a new card, also returned all reported fraudulent charges. About 6 months later they returned those charges on my new card without any explanation. I called discovery many times to report this issue and also to complain about their findings, to no avail, rather i was asked to set up a payment plan. At this point, the account has been charged off and reported to the credit agencies. I have called and asked for this report to be deleted and reaccessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balanced {$15000.00}

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Explanation on why Citi Credit Card company credit limit was decrease from XXXX to XXXX. I called to speak to someone but was told there was no one to help me with this matter. We had agreement from the beginning. I applied for another credit card and was approved for XXXX this tells me something's not right or they have inaccurate information that I need to know so that I can get ahold of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I received calls and email regarding my deliquent account then. I revieved my account and asked if 1.my late charges could be reduced.

2. I asked why my interest rate was as high as XXXX  % XXXX. I also questioned why my credit limit was increased to XXXX without informing me. 
4. I questioned them about my annual fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a pair of earrings through XXXX. I paid them through Affirm. The total was {$640.00}. I returned the earrings XXXX hours later. Affirm received a full refund. 

Affirm is now charging me {$28.00}, stating I owe interest on the earrings. I didn't have the earrings long enough to accrue any interest. Affirm received a full refund. 

Affirm is a scam!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletions listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to XXXX regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

XXXX*Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer. 

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to XXXX regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

**Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer.

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to Experian regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

**Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer.

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief