vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I need a few statements from XXXX and XXXX from my Chase Credit Card. I have been a card holder in good standing for 20 years. I received the docuemnts from XXXX I needed. When I called back to get the XXXX and XXXX documents all of the staff told me they can not help me even though I got XXXX documents. I have uploaded the XXXX documents they sent me with the request for the XXXX and XXXX documents I need but no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: 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. 

XXXXXXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 or 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nations Info Corp
State: MI

Complaint narrative:
XX/XX/23 I was advertised a promotion. I was directed to yourscoreandmore.com, then entered my personal info ( SSN, debit card, DOB, name, address, etc ) to become eligible for said promotion. 
XX/XX/23 I called the company to cancel the subscription, so I wouldn't lapse the one week trial, with a {$1.00} dollar processing fee. 
XX/XX/23 {$1.00} taken from account. 
XX/XX/23 {$1.00} taken from account. 
XX/XX/23 {$19.00} taken from account. 
XX/XX/23 I called to cancel again, and was unable to cancel or confirm my account status. 

I read into yourscoreandmore.com, and realized many others have experienced similar random unauthorized withdrawals of cash from bank accounts. 

I am worried that they have my SSN, and will sell my info, or use it with malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: IL

Complaint narrative:
I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX 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 2023-03-06 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: VA

Complaint narrative:
I have disputed everything I have seen late. I have talked to all companies trying to see what is being false reported and no one can give me information. I look and it says one place XXXX XXXX late payments then I can't find late payments anywhere and it shows XXXX of XXXX accounts paid on time. It is false reporting late information to companies yet I have nothing late. It is causing me to not get credit.

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 2023-03-06 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: GA

Complaint narrative:
TransUnion is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. TransUnion notified me " XXXX XXXX XXXX. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX  XXXX A nor XXXX XXXX XXXX XXXX. I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  for an amount of {$2100.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. TransUnion failed to produce any documented evidence of how XXXX XXXX XXXX, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX XXXX XXXX XXXX XXXX XXXX. Also known as XXXX XXXX XXXX XXXX as the original creditor that is an error. TransUnion remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Im being harassed by Victoria Secret. They are CONSTANTLY calling my phone all day everyday about me paying a bill and adding more and more fees that I put in a dispute about. They are messing my credit up. My points went down soooo much because of them. I have been trying to close my account with them for this exact reason. They Will literally call me several times a day everyday using MULTIPLE phone numbers and I would block the numbers they call off of. Even if I block the numbers, they will call me through a blocked number ( NO CALLER ID will pop up but I know its them ). I have been called several times at work, while putting my kids to sleep, trying to go to sleep or take a nap myself, when Im out driving or at a business. Its ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-03-06 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: IL

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I applied for a credit card in XX/XX/2022 in the process of the card being shipped out i moved to a new address I called milestone updated my address they told me they had already mailed a card for me so o they were going to cancel it and mail me a new card to my new address I didnt receive the card till like a month and a half after they said they had issues with the plastic company who does cards and there was a delay so I finally receive the card in the process of activation the card was blocked so I call again to see whats going on then they tell me that the card was blocked for fraud they ask me to send several documents over to verify my identity I sent over a fax with my bank account statement a bill and my drivers license several weeks pass by and I call again and they said my DL was unreadable so I re fax it a few days pass by again and so I called to verify if it was readable and today for my surprise they say my DL is not valid and Altered and they closed my account permanently my DL is not Altered in any way all i did was capture a photo and fax it over I use this DL everywhere i have never had any issues anywhere this is not my first credit card Im feeling like the company is just a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. 
states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX I have my XXXX XXXX  card connected to my Bank of America checking account. I paid my church XXXX XXXX XXXX XXXX XXXX  by mistake through my phone from my checking account through their XXXX XXXX when i realized that i made a mistake I contacted my church within 2 minutes called them and they immediately refuned my {$860.00} back to my account. however it was suppose to have been credited to my bank America account within 2 to 3 business days on Tuesday the XXXX I contacted bank of America i spoke with XXXX who stated i that should wait until XXXX the money should be back in my account if not by XXXX XXXX  by Wednesday the XXXX of XXXX. I contacted XXXXXXXX XXXX and due to the money not coming from cXXXX XXXX  it came from my bank of america checking XXXX XXXX sent me the receipt showing that it was refunded that same day and that my bank of america account should have been credited back instantly. I contacted them again every day after that.. I went to the bank on XXXX in XXXX Tx XXXX spoke with the XXXX there and she tried to make me think that i spent the money when i did not spend the money there is another transaction {$1000.00} that was suppose to be credited to my account and it never made to the bank of america account on XX/XX/2023 they told me that it was a ghost transaction as well as the XXXX that it was a ghost transaction.. then they claimed that they found it but i spent it and i PROMISE YOU GUYS i never touched that money i showed them the receipt at the bank in XXXX and they claimed again that they could not find it and that maybe it was spent before they could credit my account not true.. I had XXXX in the bank on the XXXX and its only the XXXX and they are telling me that i spent that money there is no Way

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ragan & Ragan, PC
State: NJ

Complaint narrative:
I received a debt collection letter from Ragan & Ragan PC ( copy enclosed ) regarding a debt that is not mine which I previously disputed with XXXX XXXX XXXX ( copies enclosed ) who failed to validate under the FDCPA and FCRA. XXXX XXXX sold a debt that was not validated to Ragan & Ragan PC. 
When I received the letter from Ragan & Ragan, which was originally sent to the wrong address, I immediately replied via certified mail ( receipts included ) advising them this debt was not mine. Today, XX/XX/ I received another letter from Ragan & Ragan demanding payment and claiming a copy of a loan agreement that does not contain my signature or any other identifying information, constitutes as debt validation. They have also stated I have 7 days or they will assume I dont have any other validation requests. These agencies abuse consumers because we dont know all the laws that are set in place to protect us. Im filing a complaint so that CFPB protects my rights and this agency stops its illegal and abusive practices. 
Ragan & Ragan PC File No XXXX XXXX {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Nelnet, Inc.
State: OK

Complaint narrative:
I am a XXXX Veteran who was awarded A permanent and Total XXXX. Nelnet needs to update my student loans account accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Attached are 4 files. 3 of them are from the police report. The XXXX file would show the fraudulent charges ( {$2300.00} ) which WF has credited back to me. I am trying to recover the fraudulent XXXX charges ( {$3500.00} ), the fraudulent XXXX XXXX Transactions ( {$1000.00}. ), and the associated ATM fees ( {$57.00} ), for a total of {$4500.00}. 
After the time and resources spent in trying to recover my stolen monies from Wells Fargo, WF has deemed that my fraudulent claims ( case # XXXX ) and ( case # XXXX ) has been closed upon the conclusion of their review. The fraudulent ATM transactions were duly refunded except for the fees. The XXXX and XXXX XXXX money transfers were not refunded by WF due to their reasoning that those are on-line transactions done through my phone, which as seen in the police report was stolen with my XXXX credit card & my WF debit card. Nevertheless, those 5 money transfers from my WF checking account were not authorized by me, and thus fraudulent.

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for US Bank account on XXXX XXXX XXXXpplication ID is XXXX ) and was approved on XXXX The deposit of {$25.00} was posted on XXXX XXXX Confirmation number : XXXX ) Besides the approval email, I did not receive any other documents or debit card. Therefore, I do not know the checking account number. 
When I called to request service, I was asked for either account number or debit card number and I do not know both numbers, therefore, I was unable to use the account or close the account. 
Please help me close the account and refund the {$25.00} deposit. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

Complaint narrative:
I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation