vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I contacted EXPERIAN to dispute this unauthorized inquiry that got recorded on XXXX.2023 reported by XXXX XXXX XXXX XXXX XXXX. This was not unauthorized by me as I do not recognize the product nor is it an active product on my consumer file. I am taking this complaint to the CFPB for remedy pursuant to 15 USC 1681 ( b ) ( permissible purposes of consumer reports ) to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are still reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of a signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate inquiry reporting in my consumer report. My report must only show accurate information at all times. Per the Privacy Act of 1974 I do not know where they got this information from to report without my written permission nor consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a concert ticket to an event called " XXXX XXXX XXXX ''. There is an option to purchase " ticket insurance '' in the event you can not attend the event.

So, to my knowledge I had purchased an insured ticket.

The vendor emails me post purchase with a invoice with the insurance added for a total of {$360.00}. However, after that, they send me an email that they were " unable to add insurance '' to my order and now the total is {$340.00}.

The problem is, I purchased an insured ticket and received an uninsured ticket with no protection.

So, I called the vendor and told them that I need insurance for this ticket or I need my money back as I don't want to be on the hook incase I can not attend. They told me they wouldn't refund me or add the insurance. 

I immediately disputed the charge with Chase on XX/XX/2023 as I purchased an insured ticket and received an uninsured ticket. Chase will not grant me the dispute in my favor and is just leaving me in the dust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX  2023, Chase Bank canceled my checking and savings accounts after I told them I had been sending money to a young family in XXXX. It has caused great financial hardship since that time. 
I was a XXXX member and XXXX XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NC

Complaint narrative:
Transunion, XXXX and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
An account at Chime was opened without my knowledge. I do not believe it was identity theft because the account was opened with my address ( debt card mailed to my house ) phone number, and email address. I am not certain how Chime obtained my information, but a thief would not have a card mailed to my actual address. 

It appears to me that Chime is up to something fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: VA

Complaint narrative:
This company left me threatening voicemails, which cryptically imply that there was a warrant out for My arrest and that they needed to get in contact with me to resolve this matter. I finally let in and answered their phone calls where a man on the other line proceeded to intimidate me with personal legal matters. It was if he was impersonating law enforcement to have me pay the debt as a fine.

They 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the XXXX data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the equifax data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LLC is in violation of multiple laws set forth by Congress in regards to the following account # ( XXXX and XXXX ) reporting to XXXX. 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SPRING OAKS CAPITAL LLC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I FOLLOWED THE INSTRUCTIONS PROVIDED AND I AM STILL UNABLE TO LOG IN TO MYEQUIFAX.COM. I CALLED EQUIFAX ON FRIDAY XX/XX/24 I SPOKE TO A XXXX NAMED XXXX FROM EQUIFAX CONSUMER AFFAIRS AND WAS ON THE PHONE WITH HIM FOR OVER XXXX HOURS TRYING TO RESOLVE THE LOGIN ERROR I AM BEING SHOWN WHEN TRYING TO LOG IN TO MYEQUIFAX.COM. HE WAS UNABLE TO RESOLVE THE PROBLEM I AM STILL UNABLE TO ACCESS MY CREDIT REPORT AND CREDIT SCORE WITH EQUIFAX AND OTHER CREDIT MONITORING SERVICES. IT HAS BEEN 6 MONTHS I HAVE BEEN DEALING WITH EQUIFAX TO RECTIFY THIS SITUATION! AND IM STILL WAITING AS OF TODAY. I RECEIVED AN EMAIL BACK FROM THE CFPB STATING THAT THIS ISSUE WAS COMPLETED BY EQUIFAX AND ASSUMED I WOULD BE ABLE TO LOG IN TO MYEQUIFAX.COM AND GET IN OR ON ANY OF MY OTHER MONITORING SERVICES AND STILL NOT ABLE TO SEE ANYTHING! WHICH IS SUPER FRUSTRATING!!!! XXXX HELP ME HANDLE THIS AND SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Booked a cruise with XXXX XXXX XXXX  with a deposit of {$200.00}. I was told on the phone that as long as I cancelled cruise by XXXX that the deposit would be refunded. I cancelled on XXXX but never got my deposit of {$200.00} back. Chase is refusing to credit me back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My name appears incorrectly on my credit report. I also suspect my credit report has created a split file due to the name issue, with me having at least two different credit files under two different names. This is also creating issues for me creating an account online to view my report or dispute my personal information, because the information that I am looking for is not available under my actual name, and any attempts to make an account online redirect me to the existing account for my social security number that is under my incorrect name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.

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