vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Application was filed online on XX/XX/29. 
Received a letter stating that additional information needed for application. I called and they needed documentation stating that I was the owner. I submitted the RI copy of the Articles of Organization.

Received another letter stating that additional information was needed. I called in again and was told Articles did not specify me as the owner. Went to the Secretary of State and they told me the Articles state that it is owned by members and no one was listed. They do not update the Articles but can submit a Miscellaneous filling stating that I am a member which was done. Once received, I called Barclays back once filling was completed. I faxed in the Miscellaneous Filling and explained exactly what the state told me. The call center associate told me that was sufficient and it would be approved.

A month later no new information was received and I called into Barclays again. They told me it was not approved. For business credit cards, managers are not on site and require a call back. I was told that it would be in 1-2 business days.

A week later no call was received and I called into Barclays again. They told me to they would request a manager call me again. I mentioned that the Annual Report had been filed in that time and the associate looked up and said it would be denied as well.

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 2025-01-02 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as l have no know in any of these. 
For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/year> I paid XXXX XXXX XXXX XXXX {$2500.00} and an additional {$2900.00} on the XXXX to move a container. 
For months the company did not provide the service. I had to call them for several days before anyone would answer the phone. 
Finally, on XX/XX/year>, I paid a different vendor to move the container. 
I have been trying to get a hold of XXXX XXXX XXXX XXXX ever since. I call them every XXXX minutes for a whole week with no response. Or if they do answer, they say they'll call me back and never do. 
I opened a claim with Chase bank on XX/XX/year> but my claim was denied stating I have to contact the vendor directly. I have provided Chase with photographic evidence that the service was not provided. I have provided photos of the call log on my phone showing that I can not contact the company. I also provided the receipts ( and photo evidence ) of the OTHER vendor moving my container. 
But they simply say the claim is " Denied '' and will not provide a reason, other than stating I should call the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified.

3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence.

3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
4. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
Dear TransUnion, I am writing to formally dispute information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have obtained a copy of my credit report from your agency and have found inaccuracies that I believe need to be REMOVED The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX According to Section 605B, consumers have the right to dispute inaccurate or incomplete information in their credit reports. The information listed above is incorrect because " I have never had an account with this creditor.

I kindly request that you investigate this matter and correct the inaccuracies on my credit report. Please provide me with a written confirmation of the results of your investigation and any changes 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 non-monetary relief
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Range View Management LLC
State: GA

Complaint narrative:
Lendvia calls me day and night with automated calls saying I have been preapproved for a personal loan. This is misleading, as they are trying to get a sign-up for debt consolidation. They connected me with an agent who gave a badge number supposedly and this agent said they had all of my XXXX credit in front of them with all my information WITHOUT my consent. I asked where and how they got this and was told they got it from XXXX. I asked who gave them permission to look into my credit, they immediately hung up. They call day and night. I pressed the number for " take me off the list '' and they still call me and e-mail me. I believe this is a scam. They said they want to hold monthly payments in an account in my name. This is against my rights pursuant to : Section 604 of the Fair Credit Reporting Act. Doing so is a federal crime, and can be reported to the Federal Trade Commission. These calls are never from the same number and are always from the same company.

There's also an issue with Lendvia 's parent company. Lendvia is a dba of Range View Management LLC, which has been sued several times in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
While reviewing my annual 2024 spending summary for my Chase Visa account, I noticed in the " Most Spent '' category a single, line-item annual summary of charges for a vendor called XXXX, a XXXX XXXX XXXX XXXXXXXX XXXX. ( I live in Ohio. ) This summary showed XXXX transactions totaling {$290.00}. 

Re-reviewing each monthly statement of 2024, I saw no transactions for XXXX at any point during the year. 

I first used Chase Bank 's Secure Message option to inquire. In my initial inquiry, I mistakenly referred to my XXXX XXXX 2024 summary, which understandably caused confusion on the part of Chase, which followed up on this point. To my subsequent reply, I was then advised to call Customer Service. ( Screen shots of both Chase email responses are included. ) My initial customer service agent, XXXX, had limited access to my account information. She found no transactions for XXXX, but could not see my XXXX XXXX. She did assure me that I had XXXX liability in case of retroactive fraud. She further advised me to go to a bank branch for assistance ; I asked instead for a supervisor. 

The supervisor, XXXX, was similarly unable to explain how I was charged {$290.00} throughout 2024 for transactions that did show up on any monthly statement. He said his department would investigate the matter, and I would receive a response within 7-10 business days, most likely by letter. He was unable to tell me if I'd been charged {$290.00}, nor was he able to assure me I would have no liability in the event that these charges had been levied against my account without being itemized in any monthly statement. 

I understand that Chase Bank is conducting an investigation, and that the matter remains outstanding. I am nevertheless filing this report proactively because I do not want to be liable for charges that I can neither dispute -- since no transaction records appears available, even to the bank -- nor be assured I didn't already pay. 

XXXX, the supervisor, did say ( and, as a retired journalist, I took detailed, verbatim notes during our conversation : " I've never seen this happen before, it is very alarming. '' I am attaching screenshots of both replies from Chase through its Secure Message system, as well as a screenshot of the Annual 2024 Summary which shows XXXX  as among my " Most Spent '' vendors of 2024. 

Thanks you for your assistance in this matter. I hope you are able to assist me before the incoming XXXX tampers with your much-valued agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is my formal complaint about adverse action that has been taken against my account by BANK OF AMERICA. The credit limit for the account held with the institution was recently reduced from {$5000.00} to {$3600.00}. I am dissatisfied with the service being provided by the company. The company 's actions are adverse to my interest. Please see attached.

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