vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXX XXXXXXXX Never late XXXX XXXX bank XXXX Never Late XXXX XXXX XXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXXXXXX Account never late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter from Bank of America stating that they received a credit card application in my name ( which I did not submit ). I think that I am now a victim of identity theft.

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 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XXXX XXXX, XXXX XXXX XX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?

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 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hello! 

On XX/XX/2022, I sent a bank transfer of XXXX XXXX XXXX from my XXXX account in XXXX to my account at XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX declined my transfer and sent the money back. But the money never went to XXXX XXXX XXXX. 

The whole chain is XXXX XXXXJP Morgan XXXX XXXX XXXX XXXX XXXX JP Morgan - .. payment not returned to XXXX... 

JP Morgan is an intermediarybankin this transaction and has been holding my funds since then XXXX XXXX XXXX declined my transfer and sent the money back. 

The XXXX number for this wire is XXXX I also made the request to XXXX, which sent a response that my funds were not blocked.

I also made the request to JP Morgan, but they answered me, that they are not permitted to assist me personally in this matter. Since i do not have a direct relationship with J.P. Morgan they are not permitted to provide specific details. 

I also sent repeated inquiries to XXXXXXXX XXXX, but they informed me that JP Morgan was not responding to their inquiries. 

I dont understand why I have to write requests to banks myself. Why can't they resolve this issue among themselves in half a year. 

I am more than happy to provide any additional paperwork required to get my well earned money back to my XXXX XXXX XXXXXXXX  accounts, though it's been now more than 5 months since the wire was sent, and I do not know what to do. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have sent a letter to Clarity to fix inaccurate information about my personal information. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance Corporation is reporting a debt a charge off when the debt was sold to XXXX XXXX ( debt collection agency ) the debt was settled in full with XXXX but world finance continues to report the {$900.00} as a collection and charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to Experian on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) XXXX to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXX XXXX XXXX of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account 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 XXXXXXXX XXXX XXXX has 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 non-monetary relief
Consumer complaint received 2022-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was scammed by XXXX marketing for {$1500.00} In XX/XX/XXXX I informed XXXX XXXX and they reversed the charges. 
Then they added it back to my count and said I have to go through the courts. 
I went through the courts and won the case. 
On XXXX XXXX XXXX XXXX Volunteered to reverse the charges again since I won the case. They asked me for the court documents, and I sent them everything they requested. 
then on XX/XX/XXXX, they rebilled my account for the {$1500.00}. 
They offered the refund and credit ; I did not request it and then weeks later they said they made a mistake because it was longer than XXXX days. 
I did everything in exact timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
Today, XX/XX/2022, I called Commenity Bank related to a Victorias Secret Card that has been closed, cancelled. This bank is charging a {$2.00} monthly fee that increases to more than {$30.00} of penalty. I called the bank, the person in charge called XXXX ( he did not want to forward a surname ) started babbling about the late fee for a card with XXXX transactions. He stated that the those are fees being paid late, perhaps, for XXXX XXXX I can not go on paying money for purchases not made and this people are capable of ruining my credit score. This is thievery to the highest scale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX - I ordered a XXXX XXXX XXXX '' on XXXX totaling {$2500.00}. 
On XXXX I received an email from XXXX XXXX the Laptop would be returned to XXXX due to a carrier issue ( XXXX ). I was refunded the {$2500.00}. 
On XX/XX/XXXX - XXXX billed me {$2500.00} to the same card I made the original purchase. 
On XX/XX/XXXX - I submitted a dispute claim to American Express. 
On XX/XX/XXXX - American Express provided a temporary credit on my account stating they will wait for XXXX to reply. 
On XX/XX/XXXX - American Express rebilled me for the {$2500.00} since XXXX responded stating I was given an early refund and they sent me a prepaid label... Which never happened as the device never arrived. 
On XX/XX/XXXX - American Express re-opened the dispute per my request as I located the emails showing XXXX getting the device back and refunding me on XX/XX/XXXX due to a XXXX error. 
On XXXX - American Express stated that the evidence and lack of XXXX responding put the dispute in my favor. 
On XX/XX/XXXX - American Express rebilled me again stating XXXX responded. They sent the exact same incorrect message as previously stating they gave me an early refund and sent a prepaid label, again false. 
On XX/XX/XXXX - I requested the case be reopened as XXXX received the device back, I never received and XXXX trying to rebill me for their mistake over XXXX months later. 

Overall, XXXX and XXXX had a system issue and the shipment was returned back to XXXX in XX/XX/XXXX. They waited XXXX  months to rebill me ; which was not accurate. American Express takes the side of XXXX even though the evidence of the emails showing the device never being delivered to my house, XXXX has no evidence they ever sent me a prepaid label as they didnt since the device never arrived to me. It's big companies supporting big companies at the sake of customers like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PR

Complaint narrative:
I requested a refund a month ago for all the payments I made during covid emergency and they havent processed the request. I think is ridiculous how they have taken so long when other providers process everything under 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX MADE AN UNLAWFUL INQUIRY WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA AND ARE IN VIOLATION OF THE CREDIT REPORTING ACT OF 15 U.S. CODE 1682B. 

I HAVE A CELL PHONE WITH THEM AND THEY DO NOT HAVE MY AUTHORIZATION TO MAKE UNLAWFUL INQUIRIES AT THEIR LEIZURE.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive filed numerous disputes with Experian regarding a closed/charge-off/collection account for XXXX XXXX XXXX also known as XXXX XXXX XXXX. The debt was sold to XXXX XXXX where there the was settled/paid in full. Ive submitted documentation to Experian when disputing debt for the account to be close as it was settled in full but Experian keeps updating debt as CO instead of reviewing documents provided from XXXX XXXX showing the debt has been settled in full. Account is a secured loan opens on XX/XX/19 original balance of {$560.00} now {$900.00}

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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Purchased a {$580.00} XXXX XXXXXXXX from XXXX. Billed on XX/XX/2022. 

XXXX XXXX XXXX. XXXX Shipment tracking XXXX XXXX Delivered On Monday, XX/XX/XXXX at XXXX XXXX at Front Door {$55.00} discount was given to the order for a {$55.00} refund but the date of the discount is backdated to XX/XX/2022 prior to the purchase. The purchase was paid through Affirm on XX/XX/2022 for {$580.00} then there is a {$55.00} refund adjustment with a date of XX/XX/2022. 

XX/XX/2022 I paid {$98.00} to Affirm using my checking account to pay Affirm. Thus at this time the remaining balance was {$430.00}. 

XX/XX/2022 a {$50.00} shipping charge was created and a shipping label sent via email for the return. 

Returned the XXXX XXXX Return shipment XXXX Delivered On Friday, XX/XX/XXXX at XXXX XXXX at XXXX  XX/XX/2022 Received an email confirming receipt of return item and affirmation that a return of funds would occur. 

XX/XX/2022 Disputed the {$98.00} payment paid on XX/XX/2022 using my checking account because no refund had been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, American Express reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act XXXX XXXX Code XXXX, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, XXXX, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are a lot of accounts which are still reported when it is clearly inaccurate and violates the FCRA. The wrong balance, date and status should be a clear example.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I submitted a dispute on my account in XX/XX/2022 in regard to an XXXX charge of approximately {$270.00}. The reason being that I did not authorize or consent to the purchase and already contacted the merchant in good faith to request a refund. After, discussing with merchant further, I was told that I would be refunded once the good was returned to them, however the good was too large and heavy to return to the merchant without shipping assistance. The merchant was initially not helpful to this concern, and I was not making any progress in getting sufficient communication from the merchant on how to return the good. 

After submitting dispute to Amex, I was emailed a response that they would investigate the dispute of {$270.00} and would reach out to me via email to : ( 1 ) update me on the status of the dispute ; ( 2 ) request additional documentation if needed. After a period of time of no response, I contacted Amex again to inquire as to the status of the dispute and find out why the amount was not returned to my billing account. Amex informed me that they closed out their investigation, however I ( 1 ) was never informed of the status of my dispute or ( 2 ) given any opportunity to submit any documentation as indicated. I requested that the dispute be reopened or appealed but was not given any chance to do so. I was told that my only recourse was to again contact the merchant directly.

I once again contacted the merchant to attempt to resolve this dispute. The merchant then ( 1 ) agreed in writing to authorize the refund me without having to send good back and ( 2 ) told me that I should have already received the amount back from Amex. I still had never received this amount back, so I once again reopened dispute with Amex. Amex is still refusing to credit me for the refund amount after repeated attempts to dispute the charge, and the merchant agreeing that the amount in question should be refunded back to me.

Amex violated the cardmember agreement and the rights of the customer as follows : ( 1 ) did not give customer adequate opportunity to provide documentation in regard to the dispute, ( 2 ) did not inform or update customer as indicated regarding the status of dispute, ( 3 ) did not refund a customer for an initial unauthorized purchase, ( 4 ) is refusing to accept new dispute or additional documentation, and ( 5 ) is not refunding amount back even though customer and merchant are now in agreement as to their intention that a refund should be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, I myself XXXX XXXX XXXX made a payment at 1st Franklin Financial for {$340.00} cash or debit card with XXXX XXXX  XXXX in XXXX XXXX or with a XXXX XXXX card. A receipt was given to me, with a confirmation # of {$340.00} @ XXXX XXXX by XXXX XXXX or the lady that sits in the XXXX middle of XXXX desks. The payment was not processed by either payment method, cash was needed he subject, I am accused of faulty XXXX payment which has my account behind til present dat, making double payments to become current. This tactic makes me not want to be involved with this XXXX XXXX at this time. XXXX XXXX XXXX

Company response to consumer: Closed with explanation