vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Subject : Urgent Help Needed with Unresolved Merchant Dispute - XXXX XXXX. 

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am writing to seek urgent assistance in resolving a merchant dispute that I have been experiencing with XXXX XXXX through my Chase credit account. Despite my repeated efforts to resolve the issue, the merchant has been completely unresponsive and has not made any attempt to address my concerns. 

The transactions in question appeared to have taken place through the XXXX XXXX function. It is important to note that during this period, my XXXX ID was flagged as compromised, along with my XXXX email address, indicating potential security breaches. 

Furthermore, I have not physically received any products or services from XXXX XXXX, making it impossible for me to return or work out any resolution for items that were never in my possession. Additionally, I am puzzled by the fact that transactions exceeding a XXXX dollars did not require a signature from myself, which seems highly irregular for a legitimate merchant. The lack of documentation or verification raises concerns about the legitimacy of these transactions. 

The situation has been exacerbated by Chase 's handling of the matter, as I have been continuously transferred between the fraud and disputes departments. The reason for this confusion is that the merchant claims to have a shipping tracking number for merchandise that I was not expecting and did not authorize. I have not received any such merchandise, and I am now facing difficulties in getting this unauthorized transaction resolved. 

I kindly request your intervention and support in facilitating a resolution to this matter. I have diligently followed all necessary steps to address the dispute, but the lack of cooperation from XXXX XXXX and the challenges faced with Chase 's internal processes have left me in a frustrating predicament. 

Your prompt attention to this issue would be greatly appreciated, as I am eager to have this matter resolved as soon as possible. Thank you for your understanding and assistance in advance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX. XXXX, 2024 I placed a call to Capital One Customer Service in regards to charges that were previously disputed back in XXXX reappearing again. I called to file a second dispute about these charges and informed them of what took place during the initial dispute back in XXXX. The agent then stated that he would have to close my card again and order a new card. I empathetically declined the proposal to shut down my card and explained why. Nonetheless the agent continued to push the issue of closing my card as I continued to decline authorization to do so. I then asked to escalate the call with a supervisor. At this time the representative transferred me, but did not in any fashion tell me that he was in fact closing my active card at that time. When the call was transferred the supervisor informed me that my card had been cancelled. This was again done without my acknowledgement or authorization for that matter. I expressed my dissatisfaction about this being done. He explained when the representative before opened the dispute he closed my card. I asked how can this be done if it wasn't fully communicated and I didn't authorize it. He stated " Well I am telling you now what is happening and I can't reverse it. '' At this time even with this done the least they could've done was reverse this since I didn't authorize it or issue and expedite a new card. None of this was done. On XXXX I called back in and spoke with XXXX who confirmed that they didn't reissue me a new card.. She then issued me a new card .... My problem is the violation of the Reg Rules that were violated by Capital One during this issue. Not only am I complaining, but I am calling on the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

BESTBUY/CBNA 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my frustration and disappointment with the handling of the correction process for a late open account on my credit report. Despite my initial efforts to rectify the situation, the inaccurate information persists, necessitating a second attempt to correct the record. 

To my dismay, the correction process failed to resolve the issue, and the inaccurate late open account remains on my credit report. This oversight has had adverse effects on my credit standing and has undermined my efforts to maintain a positive financial reputation. 

As a result, I am compelled to submit a second dispute in the hopes of finally rectifying this error and ensuring the accurate reporting of information on my credit report. I have attached copies of all relevant documentation, including statements and correspondence with the creditor, to support my claim and expedite the resolution process. 

I urge your agency to prioritize the prompt investigation and correction of the inaccurate late open account on my credit report. It is essential that all necessary measures are taken to ensure the fair and accurate reporting of information to prevent further harm to my creditworthiness and financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$20000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2024-03-20 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: Nelnet, Inc.
State: IL

Complaint narrative:
I requested thrice for the student loan data related to XXXX XXXX be removed. I had an automatic approval via XXXX XXXX XXXX XXXX XXXX  which was a letter provided to them. The settlement in this court order, also provided, advised that the account was to be completely discharged, all trade lines removed as if they never existed and including a full refund. The CRA have all stated that Nelnet confirmed this account to be valid when it is in fact NOT. These items are detrimental to my financial wellbeing. The Department of Education has acknowledged to XXXX via letter ( also attached ) that they missed their deadline and have began to blame servicers, leaving all qualified consumers in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
This payment was paid to the company. In good faith I would like for this account to be removed and to be stopped report to the credit report agency as a collection because it is hurting the fact of me trying to purchase a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to express my continued frustration and concern regarding the presence of fraudulent items on my credit report, despite previous attempts to have them removed. Despite my diligent efforts to rectify this situation, the fraudulent items persist, posing a significant threat to my financial integrity and security. 

Despite my initial efforts, the fraudulent items remain on my credit report, posing a constant threat to my financial well-being. Consequently, I am compelled to submit a second dispute in the hopes of finally resolving this issue and protecting my financial integrity. 

I have attached copies of all relevant documentation, including previous dispute submissions and supporting evidence, to expedite the resolution process. I urge your agency to prioritize the investigation and removal of these fraudulent items to prevent further harm to my creditworthiness and financial standing. 

Additionally, I request transparent communication and regular updates on the progress of the investigation into this matter. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. With this, I am asking for your assistance to remove these fraud items in my credit 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 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 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 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 2024-03-20 00:00:00
Product: Credit 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: CA

Complaint narrative:
I received a notification from XXXX stating I changed my address, while over looking things on my XXXX credit report online, I noticed a charge on my XXXX card for {$270.00} dollars, I paid XXXX off in XXXX of 2023 and have not used this card since I paid it off. I went online to look at my XXXX statement and notice the address was changed to XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The same address that appeared on my Credit report. I called XXXX talked to someone in the fraud unit and informed them that I did not change my address nor have I used that card since it was paid off last year, they said they were going to investigate it. I filed a dispute with the main credit bureaus, XXXX informed me that XXXX is ststing everything is correct, I still live at the same address XXXX XXXX XXXX XXXX XXXX CA XXXX I am in the process of buying a house that's why the card was paid off and I wasn't using it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 non-monetary relief
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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 and 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 explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Who it may Concern I Never applied for a Loan from this you reporting on n accurate information and send Mail to my resident I reach out several Time my information was fraudulent use and you Need to investigate and remove my Name from yall Data Base

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting 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:
Please correct this credit report as XXXX did accordance with the fair credit actt XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTIg

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
as of this date, i have not recieved any documentation or evidence validating the existence or legitimacy of this debt, i am foremally requesting that you provide me with full documentation to substaiate this claim 15usc1692f

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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