vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus XXXX, XXXX AND EQUIFAX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728

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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an account with chase bank. I transfer money online from my credit union ( XXXX XXXX XXXX ) and its an established transfer that Ive made in the past numerous times. And as of a couple months ago chase bank started to put holds on my transfers which goes against REG E since it is an online transfer. The money comes from my credit union as an ACH transfer and after its already sent from my credit union chase bank then puts a hold on it usually for three-five business days. They tell me that XXXX will be faster but I dont think using an outside transfer if service will help every time I call they dont give me clarity on why the items are on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My girlfriend and I were going to XXXX but coming back on different days. I nevertheless purchased her return ticket on XXXX for XX/XX/XXXX. Unfortunately, on XX/XX/XXXX, she got word that her grandfather in XXXX has maybe XXXX hours to love and she needed to come home ASAP. I was able to get a flight credit for the original trip she was supposed to take on XX/XX/XXXX but it could 1 ) only be used by her ; 2 ) could only be used on United ; and 3 ) could not be redeemed any other way than by calling into their call center. Annoying but, to this point fine. 

When she called to book her flight home from DC she was first on the phone for over an hour before patching me in to get authorization. After another XXXX minutes, the rep told us the site was actually under maintenance and hes call us back. However, he assured us my verbal authorization would be fine for when my girlfriend spoke to him later without me. 

He never called back and she spent another hour and change on the phone before being told my prior verbal authorization was insufficient.. 

Finally, after another two and a half hours on the phone, I was able to purchase the ticket for her. Or so I thought. 

When we got to the airport for our return trip from DC, we went to the XXXX XXXX and put in the confirmation code shed received via email only to get an error message. After waiting in line for a human, we were told her booking did not exist - confirmation email from Chase or not. Of course, Chases booking phone number was also closed so bo relief there. Eventually, we had to split up as I had work the following morning on the XXXX XXXX and she did not. She was able to get a later flight using her own card but did not get home until close to XXXX a.m. 

The next day, it took another almost three hours on the phone to get them to at least say theyd issue a refund and an almost insultingly low {$50.00} in points for the almost XXXX XXXX  of wasted time but to mention unimaginable stress at the worst possible time. 

The kicker/ as of now, neither the refund nor the points even show as processing in my account yet. 

It should also be noted that, at every stage, we made it clear exactly what this trip was for and just asked to please get get help in this awful situation. I guess those pleas just fell on deaf ears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 
According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC 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
Consumer complaint received 2022-04-28 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: Conn's, Inc.
State: TX

Complaint narrative:
In accorance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 Usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Global Lending Services LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 
15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my formal complaint to Equifax regarding this account XXXX  XXXX, reporting inaccuracies since this account has already been paid and according to Equifax 's comment on my credit report. I'm assuming they did not update the account status since 2021. This item caused serious harm to my ability to establish credit & reasonable interest rates, but also to my character as a Professional and as an individual.

15 U.S. Code 1681i - Procedure in case of disputed accuracy : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer. 
I sincerely appreciate your time and assistance in this matter and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728

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 2022-04-28 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to Selene Finance in reference to my Property Taxes due XX/XX/XXXX have not been paid to XXXX XXXX XXXX. XXXX XXXX transferred my loan to Selene effective XX/XX/XXXX. I have reached out to Selene many times. Please find a copy of my letter with XXXX XXXX XXXX. Today, XX/XX/XXXX, received a reminder for my Property Taxes have not been paid. Please find copies of all documents. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I placed a fraud alert on my trans union report on XX/XX/XXXX. Two weeks later I legally changed my name. On XX/XX/XXXX, I attempted to apply for a mortgage. However, they were unable to pull my report because of the fraud alert. I contacted three times and requested that they remove the fraud alert. They informed me that an alert has not been placed and they refused to provide any sort of assistance. Until this problem is resolved I am unable to obtain a mortgage. They have failed to resolve my issue.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank XXXX XXXX card : BUSINESS CARD ( ... XXXX ) in name of XXXX XXXX Activity ended XX/XX/XXXX and card was unused for a year. IN FACT, I DON'T EVEN HAVE THE FULL CREDIT CARD NUMBER OR KNOW WHERE TO FIND IT. 

On XX/XX/XXXX, charges were attempted. These were reported as Fraud. The card was no longer active at all and all following activity should be XXXX. However, Chase has added illegitimate payments and {$40.00} fees every month since I reported fraud. 

I called in XX/XX/XXXX to report the fraud that began XX/XX/XXXX. The customer service rep acknowledged the fraud, but filed my report without completion, and lied that it was complete. Actually they only took responsibility for some of the charges and fees, and began adding new illegitimate fees on top every month after. 

This forced me to call back on XX/XX/XXXX. The second call was refused by the XXXX department, telling me that a fraud charge made on XX/XX/XXXX was not fraud, even though I had already reported it in XXXX. 

This charge is post-dated after the fraud charge from XX/XX/XXXX and can not be mine. 

Chase bank is violating my consumer rights by : ( 1 ) Adding illegitimate late fees ( 2 ) Failing to complete the first fraud report in XX/XX/XXXX, and lied that it was complete. 
( 3 ) Refusing to fix their mistake when I reported the same problem on XX/XX/XXXX. 

I demand that Chase stop adding illegitimate fees on my now closed account after I've reported the same fraud twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 602 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for a purpose.

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 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-28 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: AZ

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

XXXX XXXX  did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX 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
Consumer complaint received 2022-04-28 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: AZ

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

XXXX XXXX  did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation