vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Somebody attempted to open a credit card application in my name online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Starting from XXXX this year, I found that my Apple card was frequently swiped. At that time, I had moved to XXXX, and I lived in XXXX XXXX before. 

And when I went back to XXXX XXXX to watch XXXX XXXX XXXX concert in XXXX, my phone was stolen. After that, my Apple Pay was also frequently stolen, almost all of them are fraud from the same store.but I changed my password and never gave anyone the card number I told anyone. 

I reported the fraud and disputed quickly. I asked for my credit to be repaid and no longer needed let me pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I transferred my student loan from NelNet to XXXX. Nelnet is a XXXX balance. XXXX now has the loan. I am showing the full balance from NelNet on my credit report. NelNet is saying that their credit reporting is valid and accurate in a letter that was sent to me and its not. I filed a complaint with Nelnet, all three credit bureaus, and Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) : XXXX XXXX XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
I recently tried to acquire a place to rent and was advised by XXXX, XXXX that I had an outstanding balance and/or judgment for rent with company : XXXX XXXX  XXXX , XXXX associated address : XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This information is completely false and reporting inaccurately on my report. I have never resided at this address nor been associated with this address nor have I ever done business with the listed company. I am a victim of identity theft and I have filed a complaint and obtained a identity theft report which is attached with this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: AZ

Complaint narrative:
NEW ISSUE : XX/XX/2023 proof US Bancorp DID NOT SENT OVER from my checking account my XX/XX/2023 {$100.00} payment to XXXX XXXXXXXX is FRAUD. 
US Bancorp did NOT send over to XXXX  XXXX my XX/XX/2023 {$100.00} payment and is stealing my {$100.00} payment is CONSUMER FRAUD XXXX XXXXXXXX.

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 monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is about a travel cancellation claim made through eclaimsline which is the travel insurance provider that Chase Bank outsources claims processing to for their credit card travel insurance benefits. 

XXXX has had all the required/requested documentation for over a month, the claim has been active for close to 4 months and I have called 6 times, each time I have requested to be followed up with by phone and I have not been contacted a single time despite having given them my direct number and confirmed that it has been noted in my file that I want to be contacted. 

Each time there was additional documentation needed, I have not been notified in any way and only found out when I called in about why the claim still has not paid out. 

The last time I called in a month ago, they explicitly said they had all the required documentation and didn't know why it has still not gone through. I sent them a follow up email XXXX weeks ago and have received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding the account XXXX. On XX/XX/2023 I received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from XXXX and XXXX immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Feel this was illegal payday loan with illegal interest rates. 
Moreover, according to Section 16-17-7 of the XXXX  Code, any interstate financial corporations caught at payday lending operation in XXXX  will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, A wire was send to XXXX ( XXXX ) through Chase but using XXXX XXXX as intermediary bank. 

It was a wire of XXXX send on XX/XX/XXXX. Because of wrong information on destination XXXX XXXX returned the money to Chase ( See letter from XXXX XXXX received after complain to them ) on XX/XX/XXXX. 

As of today Chase has not returned those fund to us, and communicating with their wire department has been a nightmare ( hours waiting on the phone, them not beeing able to communicate with XXXX XXXX and they really do not seem to worry about our money .... 

This is the last answer from XXXX XXXX : ============================== We found that on XX/XX/2023 XXXX XXXX returned the wire in question to Chase bank. The wire was initially returned to XXXX XXXX with an incorrect case number attached. We found that the incorrect case number was previously provided to you. 

The correct case number is XXXX. Other numbers that might help Chase locate the wire are : XXXX XXXX XXXX and XXXX number of XXXX. A {$50.00} fee was taken from the wire before it was returned, {$6300.00} was returned to Chase ================================ So we would like Chase to return that money to our account .... It's been too long and we have been very patient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I contacted XXXX XXXX  at XXXX on XX/XX/XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from BOA in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
My XXXX loan started with XXXX XXXX then went to XXXX XXXX and now its with XXXX. I know that it was paid off already and they are double dipping.I also submitted a 1099 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My XXXX loan started with XXXX XXXX then went to XXXX XXXXXXXX and now its with XXXX. I know that it was paid off already and they are double dipping.I also submitted a 1099 A.

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 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: CO

Complaint narrative:
I frequently apply for loans from multiple loan departments. I have paid off multiple loans. This specific loan that I applied for has been troubling for a long time. I have made several payments towards the pay off only to have the amount due not change for several months. They told me that I need to pay more each due date to see the amount due drop. It has not happened since then. I've taken several screen shots over the months to obtain proof that all my payments have not been paying off the loan. I feel like they're a fraudulent site and have been taking my money for a long time now.

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 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am not new to credit cards or 0 % interest timeframes. I know that, in the last few years, laws have changed to avoid cheating customers. My accounts have clearly listed when my 0 % would expire, warning me when it would be the next statement. 

Synchrony did not do that on my home account. I knew the 0 % was expiring on XX/XX/XXXX. There was {$100.00} left on my XXXX statement. I paid {$50.00} and planned on paying the other {$50.00} in XXXX statement. 

Well, they billed me ON XX/XX/XXXX, charging {$120.00} ( 12 months ) of interest before I could even see and pay it. It was first thing in the morning XX/XX/30! 

Ive tried talking to them multiple times and they say thats how they do it. I dont believe this is a fair legal practice. No other credit card had done anything like this!

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 monetary relief