vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

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 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase states : the charges are valid because they represent digital cards. 

Fact : while gift cards were purchased, they do not even make up 20 % of what was disputed, and it was clearly stated in the dispute that Chase was being provided the amount including gift cards, and also without, in case the gift cards could not be returned, as I was not sure. There is over 80 % left unaccounted for by Chase. 

Chase was also advised and informed that the gift cards had not been redeemed when the dispute took place. The gift cards were used after Chase closed the dispute, in XXXX of XXXX. The first gift card was redeemed on XXXX. 

Chase states : that they confirmed that I received benefits from the purchase, yet omits the proof to back that statement up. 

Fact : the sole purpose of the dispute that I filled was that the goods and services that were paid for, were not provided by the market. Chase has repeatedly refused to provide proof that the deliveries were made. In the case of digital content, it would have been delivered to my email address. In the case of physical goods, it would have been delivered to my home. None of the documents establishing these deliveries occurred is private and privileged. It is my name, my address, my phone number, my email, and my signature. The only reason that Chase would decline to provide this is because such proof does not exist. 

Chase is also considered to be both advised and informed that the digital goods provided were for someone else, as copies of it was provided to Chase. The content is made for someone needed XXXX or XXXX, depending on the correct spelling of the name. I am not that person, and examples of what correct digital goods look like from another merchant was included for Chases reference and comparison, as in the correct example, my name is clearly used. In one case, the merchant clearly admits that what was provided was not meant for me. Chase declined the refund for that purchase. It is worth noting that the dispute was filed after the merchant failed to provide the remake, after stating that they would. By this point, the number of or amount of content that was incorrectly provided had exceeded my patience. 

Chase states that multiple small charges were refunded. 

Fact : these smaller amounts were never disputed. They are all either deposits or subscription fees, both of which are non refundable and were not disputed because of this. In the case of deposits being returned, Chase was repeatedly questioned why the deposits were being returned and not the remaining portion that was paid at a later date. In the case of the {$37.00} that was returned, it was a deposit. The remaining portion of {$960.00} is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
The following is additional information that I did not include in my earlier complaint. Booked a hotel through American Express XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX, XXXX for XXXX XXXX XXXX. My flight was cancelled and I reached out to American Express XXXX XXXX XXXX asking them to contact the hotel to change my reservation and the customer care agent did reach out to the hotel and told me that the hotel would " not budge '' on allowing me to make any changes to the reservation. As a result, I cancelled my trip and have been trying to get a refund from American Express. and filed a previous complaint. In AmEx 's response to the CFPB stated that the hotel offered me the option of checking in a day later ( XX/XX/XXXX ). That is not what the AmEx agent relayed to me when I called American Express Platinum Travel on XX/XX/XXXX. The agent told me that the hotel " would not budge '' on letting me make the change. In trying to get refunded. I reached out to the hotel directly and was told that since my reservation is not paid directly to the hotel, but from a third party ( in this case American Express Platinum Travel Service ), that they recommend that I reach out directly to AmEx for a full or partial refund. I have done so and been denied. I am attaching said email from the hotel indicating that this issue should be resolved with American Express. I have been an American Express cardholder for 34 year and XXXX of those years have been as a Platinum cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: OH

Complaint narrative:
Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> I received a USAA Alert Text Message asking me to verify XXXX separate charges that were flagged as fraudulent. It prompted me to respond XXXX as to whether or not I authorized the charges. I responded that I did not and a text was sent with a number to call. I called immediately and the representative refused to help me because she said she needed to verify my discharge date from the XXXX. She made is very clear she wouldn't do anything for me until that happened. I assumed because of my text response and call that a case would be filed. 

I work for a XXXX agency now and I was XXXX shortly after that from XXXX. Since I have returned, I have called USAA on XXXX separate occasions. I have been put on hold for XXXX minutes only for the call to get disconnected. Agents have disconnected the chat when I asked about filing a complaint as well. I have been told a fraud case was filed, to later be told it was not. I get constant harassing calls rom USAA about being behind on my payment. It has since reflected on my credit report that I am 30 days late and the full balance, including the fraudulent charges reflects as well. 

I would like this resolved so I can close the account. This is the second time my USAA card has been hacked even though I have always had physical custody of it. After 15 years of membership, USAA is about to lose my business over this.

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 2024-07-29 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-29 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Lender harassed me and lowered credit limit due to fraud from another lender

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I came across some hard inquiries on my credit report that did not belong to me.

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 2024-07-29 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I have learned from the CFPB 's form that the firm MJRF ( Mullooly, Jeffrey, Rooney & Flynn LLP ) was supposed to notify me they were suing me before initiating a law suit. 

They never did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used my Bank of America Visa credit card to pay for the parking at XXXX XXXX in XXXX, MA on XX/XX/year>. The all day parking fee is {$20.00} paid at the entrance. The transaction was posted on my credit card the following day, XX/XX/XXXX. That is when I was able to see that, instead of {$20.00}, I was charged {$200.00}. I suppose it was a typo made by the parking attendant. I immediately filed a dispute with my credit card and explained what happened. The XXXX dispute department requested that I provide a receipt as an evidence. I called XXXX to explain that ( i ) I was not given a receipt, just a parking ticket showing that the parking was paid ( attached ) and ( ii ) even if I had a receipt, it would have shown the amount of {$200.00}, which is incorrect. After spending almost an hour on the phone with the dispute department representative, who kept repeating that without a receipt, they wouldn't be able to approve my claim, I escalated the issue to the supervisor 's level. The supervisor was more helpful ; he suggested that I provide a confirmation from the XXXX XXXX parking that the daily fee is indeed {$20.00}, as an evidence ( attached ). I did provide this and expected a quick resolution after that. Unfortunately, a few days after, I received a notification from XXXX that my claim was denied because I had not provided a receipt. I called the dispute department again and, after spending almost XXXX hours on the phone with the staff ( including the supervisor ), I was not able to get any understanding. Although admitting that a receipt would not be useful to prove my claim, the supervisor refused to consider anything else and to help in resolution of the case. 
Effectively, the credit card company sided with the vendor, refusing to accept that the vendor could have made a mistake and making a customer pay for this mistake. While my case doesn't seem that unusual - anybody could make a typo- the credit card company apparently doesn't have a solution for helping customers to correct this. A price confirmation from a vendor should be a valid evidence to rectify an erroneous transaction, but the XXXX doesn't seem to be interested in being helpful to its clients. 
After failing to get any resolution from XXXX, I also tried to contact XXXX XXXX parking, but have not succeeded.

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 monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I applied for an XXXX XXXX on XX/XX/year>. The current advertised rate for 60 month, used vehicles is 5.49 %. I was approved for a 9.39 % loan at 60 months. I emailed in, and called in to see if this was a mistake, but only was told that is the rate I was given, and there is nothing that can be done. I requested on XX/XX/year> by email, and on XX/XX/year> by phone, information on how to qualify for the advertised rate of 5.49 % but was stonewalled. I would like to formally file a complaint based on my XXXX XXXX XXXX, 100 % on time payment history, 1 % credit/debt ratio, and other credit based factors, of which I have a 20 year history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have learned from the CFPB 's form that the firm XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX ) was supposed to notify me they were suing me before initiating a law suit. 

They never did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the credit reporting ot Experian, there was a charged off account with XXXX. 

But I have never applied and therefore had any XXXX Credit Card. I have never charged on XXXX Credit Card. I have never received any monthly statements and I have never paid any payments to XXXX, or XXXX XXXX. I have never received any notices of late or nonpayment from 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