vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XX/XX/2022 I made a purchase on an online apparel site, XXXX XXXX XXXX, for {$35.00}. I paid for the order using my Chase Freedom Flex credit card. Immediately after I made the purchase I needed to change details of the order so I contacted the company to cancel the order. The company confirmed via email that the order was cancelled on XX/XX/XXXX, the same day. I never received a refund for the cancelled order. I attempted for several weeks to contact the company about refunding the money, but I received no response. I filed a claim with Chase Bank about the fraudulent charge, and provided the email chains showing my attempts to work with the business, as well as details about the company 's return policy. Chase closed my dispute with no resolution and no written communication to me. After I contacted Chase, they confirmed that they did not investigate my dispute and closed it, but they were kind enough to reopen it. I asked them if they needed any additional documentation from me in order to process the refund, and they confirmed that they did not need anything else from me. Recently, my dispute was closed again with no written communication to me. I contacted Chase 's customer support and they again informed me that they did not investigate my dispute, did not settle on a resolution for my dispute, and closed my dispute again because it was old. I informed them of the legal obligation they had to investigate my dispute and insisted that they reopen my dispute, but they refused. I informed them that I would report them to the CFPB if they would not investigate my dispute, and they did not seem to care about that either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and 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 non-monetary relief
Consumer complaint received 2022-09-27 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: GA

Complaint narrative:
I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and 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 2022-09-27 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: IN

Complaint narrative:
On XX/XX/2022 consumer disputed the accuracy of the US DEPT OF EDUCATION account with EXPERIAN to update account as PAID IN FULL with a {$0.00} balance, Experian still has not updated the accuracy of consumer 's credit report regarding US Department of Education student loan 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 explanation
Consumer complaint received 2022-09-27 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: CO

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-09-27 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: CO

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-09-27 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: MT

Complaint narrative:
HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account with XXXX XXXX & then XXXX XXXX  sold it to Portfolio Recovery Associates on XX/XX/2021! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report. I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Pulled credit report twice within a week and did not remove second inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: GA

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, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 reporting 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 of 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 2022-09-27 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: GA

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 XXXXXXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 reporting 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 of 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. Got a card several years ago, never activated the card. Got it after my divorce, to have a line of credit to help my rebuild. Even though it was never activated, apparently I was charged {$99.00} dollars a year, that I wasn't aware of. Had to get new debit card, because old card number was hacked. So XXXX was unable to process their {$99.00} dollars, and so now I have a hit on my credit score because of their immoral practices.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has a {$10.00} fee associated with a checking account. Per Wells Fargo policy, to have this fee waived the account holder needs to have a daily balance of {$500.00} or a minimum monthly direct deposit of {$500.00}. 

Well I'm an independent contractor working for XXXXXXXX XXXX  direct deposits my weekly reserve ending balances every Tuesday. So ... whatever is in my account by Monday XXXXam, it's then direct deposited into my Wells Fargo Account available Tuesday. Well... luckily XXXX has a feature where I can pay myself beforehand. I can choose to pay myself daily or when I need money for expenses. My direct deposits, meaning one institution sends money from another, directly deposited into my account, are well over $ 500 monthly. Why does Well Fargo continue to charge {$10.00} when one of the requirements are met? Just because I chose not wait until Tuesday, and pay myself, should not be not recognized as a direct deposit.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian will not update, correct or delete inaccurate information on an account ( XXXX XXXX XXXX XXXX ) reporting on my consumer credit report. 

Instead of conducting an independent investigation, Experian ignores my dispute requests and stamps them " verified as accurate '' even though the information they provide is clearly inaccurate. 

Experian 's responses to my complaints to the Pennsylvania Attorney General 's Office are further evidence of an attempt to deny me my rights, by not following the law as outlined in FCRA. 

Experian has denied me these rights under the Fair Credit Reporting Act ( Sections 609, 611 et.al ). They have illegally extended the investigation period for this item beyond what is permitted by law. They have not provided me with any written proof that would explain how they are verifying information on my credit file.

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
Refinanced with XXXX XXXX regarding mortgage. BSI Financial Services has received the payoff and it payoff has been applied to my loan. Received a letter dated XX/XX/2022, from BSI Financial Services stating that " This is to inform you that your mortgage has been paid in full. '' The letter stated " a release of lien will be prepared and mailed to the county courthouse where the property is located. Please check with your local courthouse if you do not receive a copy of the recorded release. '' As of XX/XX/2022, the courthouse had not received a release of lien from BSI. I contacted BSI and they stated they could not find any record where their company had completed the document. I have called several times and no one at BSI can provide me with any information or resolution on why the release of lien document has not been prepared and sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: MN

Complaint narrative:
XXXX, XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase pulled my credit report three times in XXXX of 2021, and I only applied once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On or about XX/XX/XXXX, I notified Barclays that there was fraud activity on my credit card. The complaint was taken in, the items disputed were itemized, and I received a new credit card account number. Despite Barclays taking in this fraud complaint the only action Barclays completed was sending me a new card. The items in dispute remained on my statements and the account that was stolen remained open. 

On or about XX/XX/XXXX, I notified Barclays that the fraud activity complaint was not resolved. I was told by XXXX # XXXX that no fraud complaint was ever received and that I would need to put a new fraud claim in. I proceeded to spend the next XXXX hours working with Barclays to again put in the items disputed. I was told this would take XXXX to 2 months to resolve. After the call I received a letter from Barclays stating that they closed the account impacted by fraud ( the action that was supposed to take place after the XX/XX/XXXX call ). 

On or about XX/XX/XXXX, I notified Barclays that they removed 4 of the 5 fraud items but the 5th item was not removed from the account. I was told by XXXX XXXX XXXX XXXX said the agents don't have ID # s ) that the fraud review was still open and no action has been taken. I pointed out that 4 of the 5 items had been removed. The Agent could not explain why the 5th item remained on the account. The Agent said she would put me back into the fraud system for review. I asked to speak with a manager and was told I would be put in the Manager callback queue for a call that may occur in 1 to 5 business days.

It appears to me that Barclays is deceptive in its dispute process. I am being negatively impacted as Barclays continues to report me as not making payments, when the only items outstanding relate to the fraud that was reported to Barclays over 5 months ago.

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 monetary relief
Consumer complaint received 2022-09-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.

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