vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( " the vendor '' ) to fix a leak in my house. The vendor sent a plumber to my house on XXXX and I was charged a total amount of {$470.00}. I paid the amount using my Chase credit card. 

However, after the plumber left, I realized to my dismay that he had vastly and fraudulently overstated the duration he worked at my home, and that he had overcharged for simple plumbing parts by as much as 5 times. 

I promptly contacted XXXX XXXX on the same day via email to dispute the bill and demanded a refund of {$200.00}, but they only offered me a 10 % " XXXX  reimbursement '', which was not acceptable to me. 

I opened a dispute with the credit card issuer but they did not investigate the issue to my satisfaction and declined to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I disputed fraudulent charges to my card and it was denied. They said they investigated charges and were not in error. I requested investigation results and my personal information was entered incorrectly by the fraudulent purchaser like email address XXXX the city that I live inXXXX phone number and the biller address was different than the delivery address the shippingXXXX deliveryXXXX tracking and any info on the delivery of shipment address was blurry and was not able to be read. Incorrect personal information is definitely a red flag that they either looked over or not at all.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The provisions of the fair credit reporting act of XXXXXXXX 15 U.S.C 1681 this is a violation.

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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Credit breau refuse to remove reporting creditor off report after several disputes made and no response back with in 30 days from the creditor with the correct information that was requested per the Fair Credir Reporting Act FCRA. Creditor sends statements to address requesting payment with 3 party phone number to contact and pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
I am writing to dispute the collection account listed on my credit report, which appears to be attributed to ( Security Credit Servic ( Orginal Creditor : XXXX XXXX XXXX ). Upon reviewing my credit report, I discovered this account and wish to formally dispute its accuracy. 

Upon further investigation, I was unable to locate any information about ( Security Credit Servic ( Orginal Creditor : XXXX XXXX XXXX ) in the Nationwide Multistate Licensing System ( NMLS ) database. It appears that they do not hold a valid license, which raises concerns about the validity and legality of their collection efforts. 

Additionally, I would like to emphasize that I have no knowledge of this alleged debt and have not entered into any agreement or contract with ( XXXX XXXX XXXX ( Orginal Creditor : XXXX XXXX XXXX ). The presence of this collection account on my credit report is erroneous and damaging to my creditworthiness. 

It is worth noting that while XXXX and XXXX have listed the account as open, XXXX has reported it as in collections. This inconsistency further underscores the need for a thorough investigation into the accuracy of this account. 

" Under Section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), collection agencies are required to provide accurate information to credit reporting agencies and to investigate disputes from consumers. '' " According to Section 807 of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using unfair or deceptive practices in the collection of debts. '' " Section 1031 of the Consumer Financial Protection Act ( CFPA ) prohibits collection agencies from engaging in unfair, deceptive, or abusive acts or practices in the collection of debts. '' It's also worth noting that if XXXX XXXX XXXX is engaging in debt collection activities without the required license, they may be subject to penalties and legal action under Pennsylvania state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone used my information to open an account and credit card with capital one but capital one did not tell me the address of the individual or how they opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: NC

Complaint narrative:
I have crypto wallet in the website EtoroXXXX, The login email handle is from my university that i recently XXXX. The university disabled my email, and refuses to activate it and allow me to access the account due to a new policy change. I have also contacted Etoro, who refused to give me access. I am unsure how else i can proceed with this. I have my username, and password. But the Etoro.com requires access and verification to this specific email. 
The university is XXXX XXXX XXXX XXXX at XXXX. 
The head of the XXXX XXXX department is XXXX XXXX XXXX and her email is XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

I have filed disputes in writing and electronically via XXXX XXXX and Equifax 's Dispute Center. To remove an old account. The account has been closed for 10 years. Equifax refuses to remove a XXXX XXXX XXXX XXXX account. According to their own website, closed accounts stay on credit reports for 7 years. The account hase been closed for 10 years. The website allows me to read info but no longer allows me to actually file another dispute regarding this old account. I have also contacted XXXX XXXX directly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2024-03-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute XXXX hard inquiries listed on my credit report by XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to my records, this inquiry was marked as " Accurate '' ; however, I have NOT authorized or initiated any such inquiry. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX was previously removed then placed back on my consumer report. XXXXXXXX XXXX XXXXXX/XX/XXXX was WITHOUT proof verified as " accurate ''. I hereby request that you provide me with proof that I myself authorized or initiated this inquiry myself. It is imperative that you furnish me with documentation or evidence validating my consent for this inquiry to proceed. In the absence of satisfactory proof demonstrating my authorization, I respectfully request that this hard inquiry be promptly removed from my account. Failure to provide evidence of my authorization will prompt me to escalate this matter and pursue appropriate actions under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent hard inquires. I trust that you will handle this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this dispute in writing within reasonable time as mandated by the FCRA. Thank you fro your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Requested free credit report from Equifax using the mail in form XXXX times ( XXXX ; XXXX ; XXXX ) No response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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