vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with XXXX regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

XXXX refused to remove the creditor from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint XXXX failed to address my concerns and issues. I was denied credit after applying for an extension of credit from Capital One on XX/XX/2022, twice on XX/XX/2022 and XX/XX/2022, which are violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Capital One only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry, denial and their response is enough proof that they have violated these Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: CA

Complaint narrative:
I was under the impression my credit card company was still helping me resolve an issue with one of their merchants. I have a letter from them dated XX/XX/2022 stating they are researching the issue. When I called to follow up, a supervisor told me that case is closed and there is nothing they can do. It seems they went with the original response from the vendor that stated I did not cancel in 72 hours and then discontinued investigating after I sent them numerous proof that the information the merchant sent was a total lie and fraudulent. I even went to small claims court where I was awarded the Judgement. The merchant will not communicate with me. My credit card company has had the only successful contact with them. I am trying to work with my credit card company to resolve this. I sent numerous proof that the merchant is a fraud and should not be able to scam people the way they did to me. I would like them to open up the case and attempt to contact the merchant who owes the credit card company or me a refund based on the courts judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX XXXX  ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX XXXX. Equifax directed me here to fill out a report then mail to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
The date XX/XX/22 my account was finally close after a month waiting of the close, when they finally close I should wait a week for receive my found and already pass more the one month and they told me the fund are under review, I can not still waiting that was all my savings Im having bad situation because of these, the amount is 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 2022-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute all of the following debt In accordance with the fair Credit Reporting act Account number XXXX XXXX XXXX XXXX was added I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-06-27 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: NC

Complaint narrative:
My XXXX XXXX credit card XXXX XXXXXXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: NC

Complaint narrative:
My XXXX XXXX  credit card XXXX  XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Purchased Cashiers Check for {$10000.00} on XXXX from Chase Bank in XXXX XXXXXXXX XXXX  Check made out to financial adviser in XXXX XXXXXXXX XXXX  and mailed to that company. Check was intercepted at some point and fraudulently cashed and deposited into account number XXXX at XXXX XXXX XXXX XXXX. We received copy of fraudulently cashed check in late XXXX and filed a declaration of unauthorized endorsement and submitted to Chase Bank, XXXX XXXX XXXX on XXXX. Chase Bank did not forward declaration form to their customer claims division until early XX/XX/XXXX due to an error on their part regarding who to submit to. Once submitted to customer claims we worked with them connecting multiple times to ascertain status of the case. We were told repeatedly that they were waiting for a response from XXXX XXXX XXXX XXXX and therefore were unable to return the money into account. On XX/XX/XXXX during a subsequent call to Chase Customer Claims we were informed that they can not pursue this matter as it involves a cashiers check. We were never informed of this during the multiple contacts and after XXXX months it feels disingenuous to be told you need to start over with another faction of Chase Bank. We have been out {$10000.00} since late XXXX and Chase Bank is refusing to assist or take steps to have the money returned to the legitimate owner. We feel this service is completely unacceptable and would like your organization to investigate this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Every credit reporting agency has removed these from my report EXCEPT for Equifax. 

Equifax failed to provide me with documentation and PROOF that this collection and collection amount belongs to me. It needs to be removed immediately. 

XXXX XXXX XX/XX/2022 {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TN

Complaint narrative:
My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.

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 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received a collection letter from Wakefield & Associates, XXXX, TN on XX/XX/XXXX stating that the University of Tennessee Medical Center had sent them this case. 
The amount of the debt was {$900.00}. There was no other information given. 
I called XXXX billing office on XX/XX/XXXX and spoke to XXXX. I asked for the date of service for this amount and was given the date of XX/XX/XXXX. 
XXXX stated that he would research and call me with the results of the search. XXXX called me on XX/XX/XXXX. He informed me that there was nothing that XXXX could do because this debt had already been turned over to Wakefield Agency. Meanwhile I found documentation that the invoice had been paid. I obtained a copy of the check ( front and back ) where I had paid for two ( 2 ) invoices on the same check and I had a copy of my Visa bill where I had paid another {$1100.00} on XX/XX/XXXX. These balances were from my husbands XXXX. I explained to XXXX that I didnt believe I owed this because my husbands insurance out-of-pocket was only {$3900.00} and I had paid XXXX  {$3300.00} for XXXX only plus numerous other payments that had been made, his ( XXXX XXXX ) out-of-pocket was met as of XX/XX/XXXX. 
XXXX then told me that he had found the reason that the amount had been sent to collection was because on XX/XX/XXXX your insurance took it back. I asked for an explanation of this because I didnt understand. He had no explanation. 
I then asked him to send me a detailed bill for the amount in question. He stated he would and informed me to call Wakefield & Associates and ask to speak with their insurance department because this department would be able to talk to the insurance company ( XXXX XXXX ) directly. 
I then called Wakefield & Associates directly, but was informed that their company would not communicate with the insurance company but the insurance company would have to call Wakefield. 
This seems like a circle of errors with me caught in the middle. I am a XXXX XXXX XXXX widow and have excellent credit. I cant afford to have this on my credit report. 
I did call XXXX XXXX and was told that I was not on XXXX  insurance for XXXX  to give me information. I know this is not correct because for the last 4 months that XXXX was alive I communicated with all of his medical providers and his insurance. 
I dont know what else to do, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MD

Complaint narrative:
During the Federal Government shutdown of 2019 I requested a loan deferment from XXXX XXXX XXXX XXXX ( XXXX ). I submitted all required documents electronically. In XX/XX/2019 I received a letter from XXXX stating their intent to repossess my vehicle. Confused I immediately contacted customer service to be informed by the representative my loan deferment application was received on the day I sent it electronically but it was never processed. After resubmitting I asked if they can remove the late payment from my credit reports since the error was on their end for failure to process my document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been trying to make a payment on comenity cards and keep getting a generic site under maintenance message when accessing my account. I called customer service on XX/XX/2022 only to be told that due to unforeseen circumstances, their office is closed. I have no way to reach the company or make a payment, which will result in fees and negative consequences on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
While trying to make a payment on my XXXX XXXX credit card through Comenity Bank, the company 's website has been down for 3 days. Their backup website where a payment can be made without logging in to an account is also not working. Trying to call to make the payment, results in a pre-recorded message stating that they are undergoing a " system update '' and do not have access to account information. Staying on the line for a representative results in another pre-recorded message saying that " Due to unforeseen circumstances, our offices are temporarily closed '', and then the call drops.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: TN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than XXXX  years. As you know, the FCRA states that all credit older than XXXX years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT

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 2022-06-27 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2016 PACIFIC CREDIT SERVICE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TN

Complaint narrative:
This is an extension of my previous complaint with Equifax XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is an extension of my previous complaint with XXXX Experian and 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 non-monetary relief