vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
Hello. I want to open a dispute for the {$1500.00} charge from XXXX XXXX on XX/XX/23. 
On XX/XX/23 I booked a ticket on this website XXXX for {$1000.00}. Im attaching a copy of the email confirmation showing this final total. 
A few minutes later I called in to get my airline confirmation code, and I was told this : outgoing flight has been confirmed but returning flight not. So I asked them to cancel and refund in full and they told me they cant. And they gave me 2 options. 1 : they can give me a refund for return flight only and only for {$190.00}, or I can pay them another {$500.00} and they will confirm my return flight. I pleated and begged and cried to them not to do this, I told them that I want to cancel and be refunded in full, but they did not allow and forced me and charged me {$1500.00}. 
I also told them at the time that I CAN GET this same ticked on other sites for {$1300.00} and Im willing to okay up to that amount but not {$1500.00}, and again no luck with them. 
Therefore, I want to dispute this charge, really I wanted to dispute the full {$500.00}, but Im ready to dispute just {$200.00} to reach a total of {$1300.00} ( the real ticket amount- see attached ). 
Please call or email me with any questions. 
XXXX XXXX XXXX chase Is not accepting this dispute and is siding with the merchant that called and threatened me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NY

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.

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 a 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 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 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 2024-02-27 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:
On XX/XX/2024 I mailed letter to XXXX and Equifax in regards to my collection account with XXXX XXXX XXXX XXXX I informed them that not only was the debt not one that was accurate but the account was noted on my file incorrectly. I know according to U>S>C 1681 ( a. ) I all information must be accurate in order for it to be reported. also that the reporting agency must go above and beyond in order for it to stay on y report. I receive notice from XXXX  and equifax that the information was. verified as accurate. I realized they updated the responsibility from joint to Individual however this account was a joint account before I was harassed Illegally by XXXX XXXX XXXX XXXX. this shows that either the investigation was done incorrectly or they deliberately left it on there which would be violation of XXXX  15 in USC code. 

I also do not owe this amount as in is inaccurate. I have filed a complaint against the company themselves because I was charged for full Rent for year when I was allowed to break lease because of bullets being shot through my window. I was afraid for my life and spoke with manager at the time she told me she would allow me to break lease without any penalty. the sad part is that when I moved they not only charged me full they added fees and kept my security deposit even though there was no damage to property besides the bullets that was shot from issues in the area that had nothing to do with myself. with them illegally trying to collect an debt I would like this compnany investigated as they are already facing a lawsuit for fees and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A closed account with XXXX is reporting with the balance of {$1000.00}. This account is outdated and shouldn't be reported it has been more than 7 years since the first delinquency.

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 2024-02-27 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: GA

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 2024-02-27 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
My credit report has inquiries Im not aware of from loan lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX, I accidentally made 2 payments to my credit card account. One in the amount of XXXX and another in XXXX. However, until now, I still do not have any available credit to use, even though I already overpaid, which means that it is my own money. I called them twice, and the information I got from them was extremely inconsistent. One said that it only takes two business days to process my payment, but I'm still having a {$0.00} credit limit now. Another said that my payment is going through the verification process which can take up to 10 days. This means that I will not be able to use my fund for 10 days. I am totally disappointed by boa, especially when then security deposit of my previous card still haven't been returned to me after I closed it 3 month ago.

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 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received a voicemail yesterday, XX/XX/XXXX from XXXX XXXXXXXX XXXX saying Chase is trying to summon me to civil court for a debt thats passed the statue of limitations. I recently opened a case with Chase XX/XX/2023 and they stated there should be no legal action against me. That case number is XXXX. The person that reached out to me is XXXX at XXXX XXXXXXXX XXXX, Phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
An Admin to a XXXX group posted items for sale. There were other members who responded validating that the seller was a legit and trustworthy seller. Reached out to seller and agreed on a price for a XXXX XXXX set ( {$400.00} ) to be paid via Paypal to XXXX. Sent payment ( transaction ID XXXX ). Seller mentions that he has a second set for sale which I also sent payment for ( transaction XXXX XXXX and XXXX ). Total payments sent was {$700.00}. Since sending payment, the posts on the XXXX group have been removed. I believe I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX XXXX. Account XXXX : XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : PUBLIC RECORD BANKRUPTCY Account number : XXXX XXXX. Account Name : XXXX XXXX  Account number : XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: IL

Complaint narrative:
The account was paid in full Please correct this information on my credit report on Experian and XXXX thank you my account was paid in full I provided my proof with the picture I sent

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Today XX/XX/year> I recieved an email from venmo saying that they will unfreeze my account once I reset my password and emailed them back which I did and they took the red words off my account saying that it was suspended but when I tried to use my account to send my husband {$4000.00} to go towards our rent and bills which is the same amount I sent last to him when my account got frozen but this time when I tried to send him money a message popped kept popping up this account is suspended then I recieved an email saying that they decided to deactivate my account permanently and that I have to wait 180 days to get my money which is not right because I never violated their policy I really need my money so that me and my husband can pay our rent and bills I can't wait no 180 days and what's crazy is venmo team members were responding through email then stopped after I got the deactivation email and so I called their customer service number and got no help and was told to wait a couple of days why when I need my money and it's being unfairly withheld from me like I'm doing something wrong and I'm just using the venmo app to send money to my husband which is considered family isn't that what the app was created for to send money to friends and family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
See attachment. I recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: 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 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 2024-02-27 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: LA

Complaint narrative:
late payment removal.

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 2024-02-27 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: CARS Acquisition, LLC
State: LA

Complaint narrative:
late payment removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: TX

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. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: NY

Complaint narrative:
Inaccurate accounts and inaccurate reporting 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 explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: TX

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. 

Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 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 non-monetary relief
Consumer complaint received 2024-02-27 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: NY

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.

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 a 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 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 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