vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
On XX/XX/XXXX I filed a dispute against a charge on my Chase credit card. The charge in question was in the amount of {$480.00} dated XX/XX/XXXX. They delay for the dispute was me giving the merchant the benefit of the doubt to make it right before calling Chase. The merchant was not willing to rectify the situation after over a month so I moved on to disputing the charge with Chase. At no point between the date I filed the dispute and today has Chase requested any additional information besides a letter from a 3rd party which has now been submitted but as i was speaking with them on the phone, they informed me the they closed this dispute the same day they requested information. This means that they never intended to review the information being requested as it is physically impossible for them to review any documentation because they closed the dispute before asking for it. There has been no communication from Chase regarding this to me and I was informed today that the dispute has been closed due to a lack of information received by me. I have submitted this information to Chase but they have told me it is too late and they will not reverse the charge even though I have now supplied the documentation requested by Chase specifically ( Per their request ). I do not believe Chase made any meaningful attempt to investigate this matter and instead are hoping I will let this go. This is a valid dispute and the merchant is being paid for services that were not rendered or received, and Chase is not willing to actually investigate the dispute. I am being charged for a service that was not provided and for material that was not provided, I have multiple pieces of documentation outlining this but was told they do not want the information i have. I have submitted it to them anyways but have now been told it doesn't matter. I have also requested to speak to a member of their management team and have been told by 2 supervisor that manager do not take calls and there is none else I can speak to. I am coming here in hopes that someone from Chase will reach out and rectify this matter as I have been a card holder for over 15 years and have never filed a credit card dispute in my life until this one. Chase is passing the buck because they dont want to do their part in investigation disputes effectively. they have made a decision with absolutely no information and closed the dispute before even asking for any documentation what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-14 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MS

Complaint narrative:
I assert that the inclusion of certain accounts on my credit file is a direct violation of my consumer report. According to 15 US 1681C-2, my rights as a consumer have been clearly violated. I am requesting the removal of these items within 4 days as mandated by the law. This request is supported by the inclusion of my ssc, id, fie report, and personal statement.it is imperative to emphazie that my request to block was not made in error, nor was it based on a material misrepresentation. I did not knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within 4 days or further action will be taken on my behalf and I will sue for character defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MS

Complaint narrative:
I assert that the inclusion of certain accounts on my credit file is a direct violation of my consumer report. According to 15 US 1681C-2, my rights as a consumer have been clearly violated. I am requesting the removal of these items within 4 days as mandated by the law. This request is supported by the inclusion of my ssc, id, fie report, and personal statement.it is imperative to emphazie that my request to block was not made in error, nor was it based on a material misrepresentation. I did not knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within 4 days or further action will be taken on my behalf and I will sue for character defamation.

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: WI

Complaint narrative:
In XXXX I sold a mobile home in New York, XXXX XXXX charged me an extra months electrical service {$130.00}, I contested it with them, they said they would contact me at a later date to complete any paper work, and I completed my move out of state. XXXX XXXX never contacted again, the next thing I new was National Recovery contacted me to collect the debt. I paid there required discharge payment of {$100.00} on XX/XX/XXXX by Debit Card yet the this OUT STANDING COLLECTION continue to show up on my credit report.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against Volvo Financial Services . My husband XXXX XXXX and I, XXXX XXXX XXXX, have had an outstanding credit score of over 740 for several years. In XXXX, we purchased a Volvo XXXX car and have never missed a payment. However, in XX/XX/XXXX, our payment was returned for an unknown reason, as our bank account with XXXX XXXX had sufficient funds. We tried to resolve the issue through the Volvo Financial website and by phone, but we were unsuccessful. It appears that the missed payment occurred due to a technical issue with Volvo Financial Services. We had enough funds accross all our bank accounts on the due date. On XX/XX/XXXX, the XXXX and XXXX payments were debited. Unfortunately, our credit score has gone down by over 100 points, which has destroyed our chances of getting the house loan we applied for this XXXX. This is despite earning a good monthly salary, having a reasonable rent, a low monthly payment for our Volvo car, and XXXX credit card debt. We demand that Volvo Financial Services take responsibility and immediate action to resolve our credit score so that we can move forward with our house loan. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ... XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), it has come to my attention that Experian, as a consumer reporting agency, has reported late payments on my credit report, thereby violating my rights under 15 USC 1681 Section 602, which states my right to privacy.

Furthermore, under 15 USC 1681 Section 604A Section 2, the FCRA mandates that a consumer reporting agency can not furnish account information without my explicit written instructions. Experian 's reporting of late payments without proper authorization constitutes a breach of this provision.

Additionally, 15 USCS 1666B specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Experian 's inclusion of late payments on my credit report contradicts this regulation.

Therefore, I demand that Experian rectify these inaccuracies on my credit report immediately and ensure that my rights under the FCRA are upheld. Failure to comply with these statutory provisions may result in further legal action to remedy the harm caused by these reporting inaccuracies.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent a letter on XX/XX/2024 to XXXX XXXX XXXX to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent a letter on XX/XX/2024 to flagship credit acceptance to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a letter on XX/XX/2024 to XXXX XXXX XXXX to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!

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 2024-03-14 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: TN

Complaint narrative:
Im submitting this complaint to follow up to you today, giving you a notice of my issue that I recently forwarded to regarding of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX  report with reference number XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.

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 2024-03-14 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  XXXX ; XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was never late. Thanks.

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 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XX/XX/2020 Exeter finance Loan amount XXXX Car is charged off I am a victim of identity theft by ex who stole information, identification, and knew personal things about me to open these accounts. I also filed police report about these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: DISCOVER BANK
State: NY

Complaint narrative:
I made a purchase for a hotel reservation for {$1500.00} in XX/XX/2023. Because of a fraudulent call, I thought this charge was paid to the wrong people and I asked that it be reversed. Discover reversed it. Upon realizing that the call I received was a part of a scam, I asked Discover to send the money back. Discover said that they will withdraw the claim and send the money back. It was reposted onto my account in early XX/XX/2023, but the hotel never received the money. I followed up continuously for a month, and neither party ( Discover or the hotel ) budged on their positions. Around XX/XX/2023, I made other accommodations. My original hotel reservation was canceled because the balance was never met, despite Discover saying they received the money AND it being posted on my account. 

I've called Discover several times to dispute this charge. I've sent in invoices, payment reminders, and balance due statements from the hotel to prove they didn't receive the money. I've also sent in proof that I didn't stay there. They have said it was insufficient evidence and refuse to reverse the charge on my card. Essentially, they are making me pay for something when the money never made it there. I understand the process has been confusing, but I don't see why I should have to pay if the payment was never fulfilled. In the documents below, I will include everything I sent Discover : a payment reminder email, invoice of my bill being unpaid, invoice of my canceled reservation, a website page proving my balance was not met with the exact same amount that discover posted on my account, the payment history on the hotel website showing that they never received the money. Additionally, I can include proof that I stayed somewhere else during the window of the dates entirely, to prove that I can not be in two places at once. 

Thank you for reading and I hope you can help me. I very much would not like to pay {$1500.00} for a reservation that was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA XXXX, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.

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 2024-03-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( Section XXXX XXXX XXXX A section XXXX ( It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat an payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
My savings accounts were frozen for one week early in XX/XX/2024 caused a payment to bounce and did not have any notice by phone or by text or by email and when I logged into my account online saw no issues noted on screen a letter was sent to me last week but XXXX was unable to deliver that letter so I request it be sent by XXXX regular mail. 
This issue caused me headaches with my landlord and would like to talk to some higher up in management @ XXXX or XXXX

Company response to consumer: Closed with explanation