vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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:
On XX/XX/2023 I made on-line purchase for {$420.00} for a XXXX bag using my Chase credit card ending in XXXX. The merchant online name was XXXX and it showed up on my account as XXXX. Initially nothing was received and I created an dispute with Chase using the Chase website. The merchant then sent me a fake item and informed Chased that an item was received but it was counterfeit. I was advised by Chase that I needed to close the first dispute because something was received and open a new one saying the item was counterfeit. I did this in writing, as required, and included a report that the item was counterfeit. Chase requested an additional and more detailed verification that the item was counterfeit and I pay for a new report with a company called XXXX XXXX to confirm it was counterfeit. After waiting over a month for Chase to review the new report I received a letter from Chase closing the dispute saying the transaction was valid. Confused, I call Chase again and asked for an explanation given the evidence I provided. I was told that Chase didn't even look at the reports and said I closed the dispute which is completely false.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-07-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Made an XXXX purchase with the card. The item was counterfeit and I returned it to the seller. Seller did not issue a refund so I disputed the charge with Citi Visa. Their response was that the merchant had no record of my return although I have the USPS receipt for the return but they never asked for proof. The seller wants to issue a refund but XXXX won't allow it and Citi Visa won't reconsider their decision.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/23 I wrote a dispute letter to XXXX uploading proof from the United States Bankruptcy XXXX stating that they do not report my XXXX  XXXX bankruptcy to any Credit Reporting Agencies. Inlcuding not all XXXX, TransUnion, XXXX, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of Bankruptcy- XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.

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 2023-07-17 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: PA

Complaint narrative:
On XX/XX/23 I wrote a dispute letter to XXXX uploading proof from the United States Bankruptcy Court stating that they do not report my XXXX  XXXX bankruptcy to any Credit Reporting Agencies. Inlcuding not all XXXX, XXXX, Experian, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of Bankruptcy- XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.

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 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
The company FAMS has withheld my XXXX Benefit formerly known as the NJ XXXX rebate as well as my New Jersey tax return. I was contacted by the fore mentioned collection company with a letter dated XX/XX/XXXX regarding an outstanding balance of {$16000.00}. The letter specified that I agreed to make payment arrangements with this company. I never agreed verbally or written notice to make any scheduled payments to this company and immediately notified my lawyer to contact the collection company on my behalf. Since my lawyer 's XX/XX/XXXX letter to this company, FAMS has not made an attempt to verify the debt as requested by the law firm. 

This year the Division of taxation mailed XXXX notices dated XX/XX/XXXX which indicates the collection agency has withheld my state refunds. I immediately contacted my lawyer regarding the matter and the law firm sent a second notice dated XX/XX/XXXX to the collection agency requesting they verify the debt. FAMS was in receipt of the law office 's letter on XX/XX/XXXX. To date FAMS has refused to respond to the XXXX and XXXX notifications sent to their office. I contacted the XXXX XXXX XXXX XXXX XXXX New Jersey on XX/XX/XXXX to inquire if any judgements were filed against me due to changing residence in XXXX of XXXX and possibly unaware of any notifications due to the move. The court clerk confirmed there was no " XXXX XXXX XXXX '' found in their system against me from FAMS. The court clerk also completed a state wide search and nothing was found. She also explained their database could confirm information from several years prior and there was nothing found in their database from XX/XX/XXXX to the present date. 

I also contacted the XXXX XXXX XXXX XXXX ( current county of residence ) immediately after contacting the XXXX XXXX XXXX XXXX and they as well confirmed there were no " Money Judgement Suits '' filed against me. 
FAMS is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to falsely indicating that I agreed to set up a payment arrangement with them in their XX/XX/XXXX letter. The collection company is also in violation due to not responding to notifications sent to them to attempt to resolve the matter. Lastly the collection company is in violation due to withholding monies due to me such as my State Income Tax Refund and XXXX Benefit without properly filing judgement with the Superior Court of New Jersey. 

I am requesting this company 's practices as well as this matter be investigated and action be taken against this collection company to receive monies due to me as well as their payment to me in the amount of {$1000.00} for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
I have requested a copy of my consumer report from LexisNexis and received a response that they are unable to process my request. They don't provide any information regarding how to fix the issue other than stating that additional documentation can assist in authenticating my identity, however is NOT required for a consumer to request their file. I provided additional documentation as suggested, however the response I received was the same form letter as what I received the first time with no information regarding why my request could not be processed. The Consumer Number on the letter is XXXX and the XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
While I was at work at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I received a call XXXX from a representative claiming to be from Chase Bank. The caller ID listed the number as CHASE and the number was for the branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). The representative informed me that my card was charged for {$350.00} at a XXXX XXXX in XXXX, Georgia. The representative informed me that I was alerted because he is aware that I am in the XXXX area. I requested that the card be shut down immediately. The representative agreed and informed me that in the meantime, extra protection will be placed on my account until my new card arrives in the mail so that I will be able to still use my debit card. To initiate this service, the representative asked me for my PIN. I unwittingly gave the PIN to the representative and he then informed me that a one-time test transaction would be done to my account, and that I would be credited the money back within 24 hours. The representative thanked me and ended the call. Upon the sketchiness of the call, I recontacted the bank with the number provided few minutes later. A representative from the XXXX XXXX XXXX branch informed me that no one had contacted me. The representative then transferred me to the fraud dept. where I provided the info of the previous call. A few minutes later, XXXX ( XXXX ) ATM transactions in the amount of {$80.00} each ( total was {$1400.00} ) appeared on my savings bank account. It was reported that the ATM transactions were completed at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also recontacted Chase fraud dept. after this activity and filed a claim. Both cards for checking and savings accounts were closed and new card numbers were issued. OnXX/XX/XXXX, I filed a fraud claim with Chase Bank and on XX/XX/, my claim was denied on the basis of lack of evidence. On XX/XX/, a police report has been filed with the XXXX Police Department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, I lost my job with XXXX. I applied for XXXX and my past due balance was approximately {$69000.00}. In order to qualify, my past due had to be under {$60000.00}. I called Shellpoint Mortgage XXXX and spoke to them and obtained their wiring instructions to send them money to get the balance under XXXX XXXXXXXX. I borrowed funds in the amount of {$10000.00}. Before sending the money, I confirmed with Shellpoint that if I did so, I would receive either a Reinstatement Letter and/or my next mortgage statement would reflect under XXXX XXXXXXXX. I was confirmed by XXXX different people that this would be provided. I had the money sent and then I received my statement and it showed approximately {$62000.00}. When logging onto Shellpoint mortgage it said Past Due Balance {$59000.00} but XXXX could not take that, they could only take the Reinstatement Letter and/or the Mortgage Statement. I called Shellpoint Mortgage to ask what happened and why, as promised, my Statement showed the higher amount. I was told that they filed with the attorneys for Foreclosure and that was their fees. I asked them if I could send them {$2500.00} and they would give me the Reinstatement Letter and I was told that they would accept XXXX funds from me and this was too bad. I feel like I was stolen from. I borrowed that {$10000.00} with the CLEAR intent that I would receive the Reinstatement Letter or Mortgage Statement showing under XXXX XXXX. I was approved for XXXX pending this letter. Now, month after month they have been adding the past due on ( which I understand ). This was to save my family home. What they did was wrong. I did everything I was supposed to do to save my home. Now I have been declined by XXXX to help because of this. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have an online banking relationship with Capital One, as a customer with multiple accounts. When using the company 's mobile app to deposit a check, the app requires me to enter the amount on the check being deposited and then to upload a picture of the front of the check and the back showing endorsement. However, on occasions when a is HANDWRITTEN, after the check is processed, the company adds additional cents to the amount cashed and deposited as if the check was written for an higher amount, {$0.00} most recently. 

I closed accounts with Capital One, being offended by this issue, and others. It has happened at least once before previously, approximately in XXXX of 2021, but the account used in now closed and records are not available to me to verify. The amounts have always been less than a dollar, but it would make sense that it could be happening with other customers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by.. 
I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.

After reviewing my credit report and the information provided by.. I have found several violations of the Metro 2 guidelines. These violations
include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6.

Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted .and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference. Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines.
Thank you for your attention to this matter. Sincerly,

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 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Good morning Express credit card : last XXXX of account number : XXXXComenity-express I paid off this account over the phone and requested it to be closed. The account was paid to zero. Then a couple weeks later I got a bill for XXXX XXXX i called the company and was informed that it was being recorded so I hope they still have it to confirm my part of my dispute. I had informed them that i paid off the account they looked into it and said that i owed a XXXX dollars for paying over the phone but when i was paying i was specific that no other charge was going to be added and our business was done then they said i had to pay again then i asked will i be charged for paying over the phone they said no so then i said so why was i charged in the start i refused to pay because i feel they are attempting to unlawfully take more money from me for no reason i paid off the account they are trying add charges that i was not made aware of and if they truly recorded our call i request those recording and it will verify my part. They have damaged my credit extremally and i would like help please. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN ALLIANCE BANCORPORATION
State: DC

Complaint narrative:
See complaint XXXX. 

XXXX statements later ( payments due XX/XX/XXXX and XX/XX/XXXX ), Western Alliance Bank has not removed the late fee in the amount of {$87.00}.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/17 I spoke with banker trying to refinance loans and cars. The credit from Trans Union did not reflect the same with XXXX XXXX XXXX. From the Lender side my score was XXXX From Trans Union it was 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