vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: U.S. BANCORP
State: MA

Complaint narrative:
I need help with a dispute with concert tickets Im trying to dispute concert tickets and my credit card company sent me a letter with this Please provide a written letter of support from a merchant providing the same type of service, on their letterhead, dated and signed, supporting your claim that the service was of poor quality..The letter should concur with the dollar amount you are disputing. How the XXXX am I suppose to get another ticket company to write me a letter of support if they all have the same rules most likely? I tried to email all different ticket services and they were all bot responses. So I dont know what to do. Just for reference I went to a XXXX XXXX XXXX concert the concert was scheduled for 3 hours but due to unforeseen circumstances it lasted 40 minutes while I waited drenched in sweat by the heat. I disputed these tickets under not satisfied by service. However my credit card company said I must get a letter from a different merchant in my favor which is virtually impossible.

The event was advertised as a three-hour performance starting at XXXX XXXX. However, due to a delay announced by the event organizers, XXXX XXXX XXXX did not take the stage until XXXX XXXX, resulting in a significantly shortened performance lasting only 40 minutes, ending at XXXX XXXX. 
While I understand that delays can occur due to unforeseen weather conditions, it is my contention that if the show had started at its scheduled time of XXXX XXXX, XXXX XXXX XXXX would have been able to perform for at least two hours before the thunderstorm. Instead, the delay of three hours caused significant inconvenience and discomfort, as I had to wait in hot and humid conditions with no clear communication from the event organizers about the length of the delay. 
As a paying customer, I feel that I did not receive the service that was advertised and paid for. The tickets were explicitly purchased for a three-hour show, not a three-hour delay followed by a brief 40-minute performance. This significant deviation from the expected service constitutes a failure to deliver the product as advertised.

In light of the above circumstances, I requested a full refund of {$440.00} to be credited back to my account.

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 2024-07-06 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: NC

Complaint narrative:
Re : Account # XXXX XXXX XXXX. Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: NC

Complaint narrative:
Re : Account # XXXXXXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect consumers ' rights.

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 2024-07-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Re : Account # XXXX XXXX XXXX. Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to dispute the same items on my credit report for several years. I have asked for debt validation, I have asked for the results of the investigation, I have asked to be sent the original debt, I have stated that this is a violation of the fair credit act, I have sent letters electronically, sent hand written letters, sent typed letters with a wet signature and have not received a response to a dispute or the results of the investigation or information about what happened. My credit score has been damaged for so long without any updates. Nothing has been removed from my credit score. They have allowed debt collectors to change the dates of the debt that were older than 8 years to look current. I do not believe there was ever an investigation into my disputes.

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 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an email from JPMorgan Chase Bank , N.A . on XX/XX/year> about their Pay Over Time program for Chase credit cardholders ( see attached email ). Because of that offer, I charged my plane fare of {$940.00} to my Chase Freedom Unlimited Visa card on XX/XX/year>. When I received my statement online on XX/XX/year> and tried to pay using the Pay Over Time plan, I was denied. Please see attached notice I received on the Chase website when I tried to avail of the Pay Over Time option. When I inquired from Chase why I was not able to avail of the Pay Over Time option, their responses were not clear to me. See attached Secure Messages ( 2 ) from Chase. If I had known that I could not use the Pay Over Time plan, I would not have charged my plane ticket to my Chase Visa card. Since I did not want to pay interest on my purchase, I was forced to pay it in full before the due date, thus upsetting my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Multiple letters have been sent to the credit bureau regarding inaccurate information reported on my credit. Due to their lack of response, my score has been negatively impacted. I have requested for the information to be validated and it has not been.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent this company a cease and desist This company has refused to adhere to the federal guide lines ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency which it is listed the company is not listed is not legally binded and or insured to collect in the state of Florida. Please have this company cease all collection activities. This is my last attempt to complain outside of court.

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 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This company has been negatively impacted my credit for years. I have asked for a debt validation letter, the original contract from the original creditor, proof of legal right to collect on the debt. I have been harassed consistently over the years from various numbers from this company about collecting the debt although they have not sent any of the info to have asked. They have also changed the date of the debt to reflect the current month and year so that they can be in the statue of limitations. I have to them this is a violation of the fair credit reporting act, and they continue to falsify information to the credit bureaus. This has prevented me from getting a mortgage, and has affected my mental health. I have over XXXX numbers blocked on my phone from this company violating my privacy and rights.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Store card was closed and paid off in settlement XX/XX/XXXX but are now flagging my credit report as open closed with XXXX dollar payments which is negatively effecting ny credit score. Because or this my credit score has went down XXXX points since XX/XX/XXXX. This card has long been closed and paid off and settled XX/XX/XXXX. They need to STOP DROPPING MY SCORE!!

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 2024-07-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Re : Account # XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: FL

Complaint narrative:
I was notified by your company XX/XX/year> regarding an alleged debt. 

Reference number : XXXX I have reason to believe I do not owe this debt because I never had a contract with this store or account with this store. 

I request all of the following information be provided to me by mail : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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.

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 informationisinaccurate.

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 2024-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I walked in to Tesla Motors ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and told the salesman that I would like to lease the XXXXXXXX XXXX XXXX we have reviewed and I would like to lease it under my company, for me to allow people to drive as i desired. 

The person I had with me, was my mother who would be the main driver of the vehicle. I told the sales person it would be like me handing an employee a " key '' for the car as needed. 

Sales person ends up charging me ( the business ) for the the due cost but gives full 100 % physical control to the car, to my employee ( mother ). 

I came back to XXXX when I haven't received any communications about my purchase and they informed me that the sales person, XXXX messed up by not making me ( the business ) the primary and should of been the sole leasee of the car. They don't know what to do next, but as it stands, I have no control or possession of the vehicle even though they charged me and registered the car to me. The only person in the XXXX network, with access to car is my mother. 

I am making lease payments for a car i cant even get into and XXXX just recommends we share her password. The vehicle is CA XXXX registered to me but XXXX says it can not give me access to the car. 

I don't know what to do. This has affected my situation with XXXXXXXX XXXX ( the XXXX bank ) as I've stated to them that I don't have possession of the car they want to charge me for and I would like to square ownership first before payments begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to dispute the same items on my credit report for several years. I have asked for debt validation, I have asked for the results of the investigation, I have asked to be sent the original debt, I have stated that this is a violation of the fair credit act, I have sent letters electronically, sent hand written letters, sent typed letters with a wet signature and have not received a response to a dispute or the results of the investigation or information about what happened. My credit score has been damaged for so long without any updates. Nothing has been removed from my credit score. They have allowed debt collectors to change the dates of the debt that were older than 8 years to look current. I do not believe there was ever an investigation into my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to dispute the same items on my credit report for several years. I have asked for debt validation, I have asked for the results of the investigation, I have asked to be sent the original debt, I have stated that this is a violation of the fair credit act, I have sent letters electronically, sent hand written letters, sent typed letters with a wet signature and have not received a response to a dispute or the results of the investigation or information about what happened. My credit score has been damaged for so long without any updates. Nothing has been removed from my credit score. They have allowed debt collectors to change the dates of the debt that were older than 8 years to look current. I do not believe there was ever an investigation into my disputes.

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