vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-06-12 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.

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 2023-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 

Kindly fix this account : XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX and XXXX of XXXX I made a series of balance transfers to my Citibank credit card totaling {$5600.00} ( including fees ). At this time, Citi had offered me a promotional 0 % apr on transferred balances through XX/XX/XXXX. In XXXX I added an additional fixed-repayment balance of {$6600.00}, something Citibank markets XXXX a " flex loan. '' This " flex loan '' balance is and was subject to an apr of 9.99 %. My most recent statement, dated XX/XX/XXXX, confirms that the promotional apr rate for transferred balances expired on XX/XX/XXXX. At this time the apr for the transferred balances increased to 21.49 %. I made a payment on XX/XX/XXXX for {$5300.00}. According to Citi, this was the amount that I needed to pay to satisfy the minimum due on my account for that statement period and pay off the remaining balance from the balance transfers made in XXXX and XXXX. On the Citi website, this figure is described as the " adjusted new balance '' ( not really a new balance this case ). The amount of the payment I made in excess of minimum due ( {$190.00} for this statement cycle ) should have been allocated to the highest apr balance ( 21.49 % ). My statement from XX/XX/XXXX indicates instead that the payment was allocated entirely to the " flex '' balance at 9.99 % apr, contrary to both Citi 's stated policies and federal law. As of this statement, I still have a {$5000.00} balance at 24.49 % apr and I was charged interest at this rate for the 8 days from XXXX to XXXX. I reached out to Citi on XX/XX/XXXX via online chat to ask them to correct the misallocated payment. The chat agent acknowledged that Citi 's handling of the payment was contrary to federal law but stated that their system allocates payments automatically. He declined to correct the mistake, stating there was nothing he could do on his end. I find Citi 's behavior here to be predatory and I have a hard time believing that Citi hasn't deliberately set their system up to yield this exact result, given that they stand to gain a great deal of money in higher interest charges from these types of " mistakes. ''

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 2023-06-12 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: NV

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.

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 2023-06-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX ADP Compliance Solutions C/O Wisely stayed they have completed our investigation of my dispute Received on XX/XX/XXXX for the funds taking out my account for {$130.00} on XX/XX/XXXX and the other transaction of {$130.00} was added back on my wisely card the same day and for the second transaction they were stating there was no fraud or error and responded to quick and didn't do a proper investigation on my own my funds being taking out my account, I also filed with the federal trading commission and have a report number and haven't heard anything from them since about my case. The video of paperwork was a letter from the money that was put back on my wisely card that I no longer use, no paperwork on the other transaction but it's on my wisely card login statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: MS

Complaint narrative:
TransUnion was inform of a compliant by myself, they proceeded to investigate. After investigating, by omitted that my credit profile was inaccurate and updated with more inaccuracies. Under the Fair Credit Reporting Act, they suppose to maintain accurate information at all times. They also didnt provide verification of these accounts, and continue to ignore my requests for verification.

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 2023-06-12 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: FL

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX  Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: FL

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 XXXX XXXX XXXX. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-12 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: PA

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: MD

Complaint narrative:
On the night of XX/XX/2022, I lost my Chase debit card and cell phone while visiting XXXX XXXX, Louisiana. In the early morning of XX/XX/2022, someone withdrew unauthorized a total of {$9500.00} from the stolen card at multiple locations, including Chase ATM, XXXX, and XXXX XXXX, etc. I reported the unauthorized activities to Chase Fraud Department immediately after the discovery on the morning of XX/XX/2022. I provided evidence that the charges were indeed unauthorized by me by including the alert emails Chase sent me, my police report, and a witness statement, I was with my boyfriend the entire time when the incidents occurred. JP Morgan Chase, however, ignored the mounting evidence that the charges were indeed unauthorized and denied my claims multiple times. They cited that the person used the correct PIN to conduct the unauthorized transactions, I never voluntarily shared my Chase debit card or PIN information with anyone, nor did I authorize anyone to use my card to conduct these transactions. When I asked them to prove these transactions were authorized by me, they declined my request. Therefore, the bank has failed to prove the transactions were indeed authorized by me, they acted against consumer protection law and its own terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NV

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report regarding a bankruptcy filing. After reviewing my credit report, I have discovered that there is a bankruptcy record listed that is incorrect. I am requesting that you investigate this matter and take the necessary steps to rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

The Bankruptcy court stated in the attached response letter that they don't report Bankruptcy informaton to consumer ' reports or consumer reporting agencies. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( LexisNexis, XXXX, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from an online electronic system known as Pacer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-12 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: TX

Complaint narrative:
Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to XXXX XXXX XXXX and Experian. I set up a payment plan for my card on XXXX XXXX XXXX. To where I would pay {$85.00} on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in 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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently tried to open a chase bank account and was denied with the prompt we can not accept you with the information you provided us. I believe the reason I am not being accepted is because a few years ago someone used my personal info to open multiple banks account to attempt fraud, now I have issues trying to bank ANYWHERE. All I want is to be able to open a checking account.

Company response to consumer: Closed with explanation