vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a home improvement loan with Service Finance opened in XX/XX/XXXX. The loan was for solar panels that never worked. The installing company went out of business shortly after the panels were installed. 
I ran into some financial difficulties and missed two payments. My last payment was XX/XX/XXXX. I missed payments in XX/XX/XXXX and XX/XX/XXXX. My account was reported as charged off by Service Finance in XX/XX/XXXX. XX/XX/XXXX I paid the loan off in full. 
My account was listed with the credit bureaus as charged off. When I paid the full amount I owed of {$14000.00} in XX/XX/XXXX the status was not updated to reflect it was paid in full. It does show a XXXX balance but still has charge off as the status. 
I have called Service Finance several times in an attempt to get the account status updated. Each representative I speak to tells me it is not possible to update the status. 
I am currently trying to purchase a home and the status of this account, since it is a home improvement loan is preventing me from qualifying for the mortgage. I do not expect the late payments to be erased, but the refusal of Service Finance to update this account is causing my family undue harm.

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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Filed a claim against an unauthorized charge and Bank of America reversed the claim, stating my signature is on file authorizing the charge. 

No it is not. 

Bank of America claim # 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 2022-09-17 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: NY

Complaint narrative:
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written consent. 

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 DXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also XXXX credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : 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 2022-09-17 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: NY

Complaint narrative:
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 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 : states a consumer reporting agency can not furnish an account without my written consent. 

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 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Whenever I have to answer the random questions used for ID verification the questions have answers that belong to either my XXXX or my XXXX. 
At one point there were four people in at y address with the name XXXX XXXX. 
I can not pass this rest because the information in the questions belong to at least two other people. 
I have to go into a local office to prove who I am. 
Not a single organization will make an attempt to correct that data. 
I have been fighting this problem for over ten years and have reached the point of filing a law suit against the organization asking me the questions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: PNC Bank N.A.
State: MI

Complaint narrative:
I had a PNC Bank credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, XXXX has not been reporting the date this account was charged off and the date of last activity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
1XXXX XXXXXXXX ( Bank ). XX/XX/XXXX 2.XXXX XXXX XXXX XXXX ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4.XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX 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 2022-09-17 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: VA

Complaint narrative:
I have been living at XXXX XXXX XXXX. XXXX, XXXX, VA for the last 11 years the previous addresses on my credit report I no longer live at these places. I also have been working at one job for the last 7 years and that is XXXX. All I want to show on my credit report is my Home for the last 11 years and my job for the last 7 years. I have been doing everything in my power to work on my credit for the better and I feel that this information on my report is misleading.

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 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.

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 2022-09-17 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: MI

Complaint narrative:
I had a XXXX XXXX credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, Experian has not been reporting the date this account was charged off and the date of last activity of 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
Consumer complaint received 2022-09-17 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: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I have a XXXX XXXX, and did a balance transfer from My Goldman sachs-Apple Card, for XXXX dollars, i checked with XXXX, and they said they sent a check which actually they did a wire transfer, Goldman sachs has never credited that to my account, which i did close because of this mess, XXXX gave the electronic tracking number and said goldman sachs XXXXapple XXXX it, I talked to Goldman and they said they didnt allow balance transfers on apple card and would return the money to XXXX, I talked to XXXX  and they sent me about XXXX dollars to pay off account, they sent it to my credit union and then i paid off Goldman Sachs, XXXXapple XXXX XXXX is now charging me for both transfers, Goldman Sachs -Apple needs to credit XXXX for XXXX XXXX, XXXX  said that Goldman refuses to talk to them because they are a third party, i have talked numerous times with Goldman and gotten nowhere, XXXX did respond to CFPB so case was closed, Goldman Sachs XXXXApple card did not so the original case against XXXX and Goldman Sachs should not of been closed XXXX the original case is XXXX, please get Goldman to refund the XXXX back to XXXX, as i am out that money and having to pay it to XXXX, i dont believe Goldman Sachs Apple card was ever notified, and they wont cooperate with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Good morning, I am writing because I received a letter from you about a payment of {$35.00} which I am not sure I have not paid and in which it refers to a laboratory service, since these services are ordered to be performed by my primary physician and in general, the co-payment is always canceled at the time of taking the exams. I have no information about this since they changed my lab for these tests. Perhaps I did not receive the collection receipt since I was away from home for a while and they could have thrown it in the trash. Actually, I do not know. but I do know that I have made all my payments. I think I missed this one ... and I really don't have any billing notification from XXXX XXXX and I don't really know why these tests wouldn't charge me at the moment. 

I await a response on this inconvenience to give it a quick solution

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 2022-09-17 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: GA

Complaint narrative:
I have Been Disputing the Collection account XXXX XXXX with Equifax since XX/XX/2022. I have requested the deletion of this account at least twice with Equifax because it is reporting inaccurate information and is in violation of the FCRA. When compared to XXXX credit report the information has inconsistencies. The PAST DUE amount is showing {$2900.00}. A collection agency should never report a PAST DUE Balance on a collection Account. It has been reporting this inaccurate information for over 3 years and has affected my credit score with a negative impact preventing me from getting Credit with other companies. This inaccurate info has been hindering my credit growth and has violated my consumer rights. It shows the Original amount is {$2900.00} and that is not correct. I never Received a letter from XXXX prior to them reporting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.

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 2022-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed this account multiple times yet it comes back verified by XXXXXXXX XXXX. I contacted XXXX XXXX and they have no record of Bankruptcy with them. How is Experian verifying this information falsely.

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 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
. 1XXXX XXXX ( Bank ). XX/XX/XXXX 2XXXX XXXX ( finance ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX 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 2022-09-17 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: DISCOVER BANK
State: CT

Complaint narrative:
I ordered an order of from XXXX on the XXXX of XX/XX/2022 worth XXXX $ on It was supposed to be delivered the next week but I did not receive anything. I waited 2 weeks and called them and they said theyd give me a call back. They never did so I called again and spoke to a XXXX XXXX XXXX and they told me I couldnt get my money back to the shipment again because the tracking number said delivered. I checked with my XXXX  office and neighbors and couldnt find it. No doorbell was rang or any signature asked for on an order worth almost XXXX XXXX  So I called my credit card company and disputed the charge and they credited the amount back on the XXXX of XXXX for XXXX XXXX After explaining the whole situation about how it said deliverered but I had not revived it. But then on XX/XX/XXXX ny credit card company ( discover ) recharged me again and went back on the credit and when I called to ask they said the company showed them the tracking number had said delivered so they had to Honour the merchant. I tried explaining my side and how I even called the XXXX and went to my XXXX  office but had no luck. My credit card company and XXXX are making me pay the XXXX $ for something that I did not receive or sign for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 604A, Section 2 also states a consumer reporting agency can not furnish an account without my written consent The agencies listed below has violated my rights : XXXXXXXX XXXX Acct No : XXXX XXXX {$4400.00} XXXX XXXX XXXX  Acct No : XXXX XXXX {$0.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$6200.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$3800.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$790.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I had to go to the emergency room at XXXX XXXX XXXX XXXX in XX/XX/2022 and after the physician told me that I did not suffer a XXXX related problem, I asked to be XXXX and allowed to go back to work. No one took notice of my request and thus several people came into the room to do all kinds of tests WITHOUT first explaining to me the reason ( s ) for said tests but also told me that ANY AND ALL fees would be covered by my insurance. I found out later that my insurance did not cover all fees. Consequently I asked for financial assistance and FULL CHARITY was granted to me by XXXX XXXX. Now I received 2 letters from Wakefield & Associates asking me to pay {$1100.00} and {$51.00} respectively for XXXX XXXX XXXXXXXX WITHOUT telling me Who was the XXXX XXXX and for WHAT? On top of that they charge me a fee of {$27.00} and {$1.00} respectively on top of the amounts charged ..... I had no job nor money to pay for these amounts. I recently got a part-time job for 16 hours per week at an hourly rate of {$13.00} before taxes and other deductions, leaving me barely enough to pay for gaz and food, not to mention that I have a XXXXyear old XXXX mother whom I have to take care of. I told whoever called me the first time to collect these amounts that they should contact XXXX at XXXX XXXX and not to bother me any longer. I need your help to resolve this. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
{$75.00} was charged to my PayPal by a XXXX company. I have spent 3 hours on the phone with PayPal. I filed a claim with PayPal and they immediately closed. Now they have transferred me to 4-5 departments with no resolution. I have no idea what to do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had a chase sapphire preferred account which was closed in XXXX of this year. I was under the impression that all points and rewards accrued ( XXXX points, worth approx. {$1600.00} per valuations by leading journalists ) would remain since I had another ultimate rewards account open ( chase freedom card ). Chase did not disclose anything different to me at the time of account closure. On XXXX of this year, I attempted to redeem some of these points and noticed that they were missing. 

Chase was telephoned on XXXX and I explained the situation. Chase associates were initially able to locate all documents and were understanding and sympathetic to my request. End Result of this call was that chase would file appeal on my behalf to receive the points back and I would hear back within 7-10 business days. After this call, chase purged records from this account on XX/XX/XXXX ( hardly seems coincidental ). Appeal filed was notated under wrong account ( ending in XXXX, not XXXX ) and was denied per letter dated XX/XX/XXXX. 

Telephoned Chase again on XX/XX/XXXX after receiving incorrect denial letter. Chase associates and supervisor were unable to find records of this account except that it was closed in XXXX of XXXX. This closure date is clearly incorrect, as statements were generated as late as XXXX of XXXX. Charges were made in XXXX of XXXX. Chase claims disclosure was read to me upon account closure, but I do not recall this disclosure and would have acted on this information. Reached impasse with chase and decided to escalate matters to CFPB.

Company response to consumer: Closed with explanation