vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The other day I received a job offer from my college to be a personal assistant. The scammer sent me a check that ended up being fake. After I pay the man bills the bank took the money out of my account, the money that was mine in the account and now I am left negative. The bank didnt want to help me recover the funds and now Im stuck with money to pay off and my bills to pay off

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 2023-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
Sallie mae is corrupt. 
I have tried to talk to them about a reasonable repayment plan on several occasions since XX/XX/2022. They in no way want to work to support me. Instead they have me repaying at a variable rate so I dont actual know how much XXXX  pay each month. XXXX addition, I recently got divorced and am on XXXX income. They have no income-driven repayment option which is also ludicrous. 
I can not pay the amount they want, nor can I pay an amount that is not fixed ( XXXX month its {$590.00}, then the next month is {$780.00} ). I am a teacher and make less than {$60000.00} a year. There are all these federal programs for student loan forgiveness for XXXX, and nothing for private loans. This seems really unreasonable and unfair. People want teachers but have little to support situations like this. Why can Sallie Mae continue to XXXX people in like this and then when its time to repay be XXXX  to the client?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
on or about XX/XX/XXXX based on information given on my consumer report received from XXXX XXXX i lost my home owners insurance with farmers and also was denied insurance from XXXX XXXX. After receiving my consumer report, I found that the information was incorrect and that my claims were reported as XXXX claims verses XXXX. I informed XXXX and provided information the correct information. XXXX said they investigated the claim with XXXX XXXX and said they will not remove it, but I can add a dispute statement. I filed a claim against XXXX XXXX with the Department XXXX XXXX case # XXXX. After the investigation it was determined that the information originally reported by XXXX is inaccurate and incomplete. ( XXXX occurrence happened XX/XX/XXXX ) In fact, the homeowners insurance policy with XXXX XXXX is a per occurrence policy. Subsequently, the water damage was the same event but was reported as a second occurrence the ( 2nd occurrence, that was still the same as the first happened on XX/XX/XXXX ). Moreover, these mistakes on my XXXX credit report are devastating. These errors has caused denial of insurance and it is the responsibility of XXXX to maintain accurate reporting records. Since the records have errors, it has caused me unjust hardship and distress including economic damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: VA

Complaint narrative:
XX/XX/2023, at approximately XXXXXXXX XXXX, a person identified as XXXX of the J P Morgan Chase XXXX XXXX called me to acknowledge receipt of my complaint ( XXXX ) submitted to the Consumer Financial XXXX XXXX XXXX XXXX about XX/XX/2023. Problem XXXX : The number calling was XXXX. She provided no other information. It is now almost XXXX weeks without further response from the bank. I tried to call the aforementioned number, but there was only a recording about marketing preferences without possibility of talking to anyone. JPMCB purposely deceives the public about the number from which it calls, and makes it impossible for the public to contact the person allegedly assigned.. For more than XXXX months I have not been provided with appropriate information ( statements ) about my account to verify charges. I filed a different complaint ( XXXX ) to the CFPB subsequently, but Chase has not even acknowledged it, let alone made any attempt to resolves my complaints. I do not know if " XXXX '' is a real name or nom de jour. Problem XXXX : I sent an email to JPMCB XXXX XXXX 's email address listed on the internet ( XXXX ), but my message was returned as sent to an unknown at JPMCB who supposedly is handling my complaint ( s ) while JPMCB remains silent and incommunicado. JPMCB purposely prevents the public from contacting its assigned personnel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called theXX/XX/XXXX/Experian after I purchased a credit report with Experian on XX/XX/2023 and XX/XX/XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that thisXX/XX/XXXXXXXX Late payment 30 days late will be removed.

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 2023-02-06 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In my previous letters sent, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXXXXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-02-06 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
i got a XXXX XXXX from XXXX site which is issued by Synchrony Bank. In XXXX I made a purchase ( car tires ) which I was tricked by the company representative before purchase and after purchase. Later on I learned tires were not what the company had advertised for sale. It, lacked safe quality for the use and as a Sr. Citizen I was tricked step XXXX  step until I finally confirmed with a XXXX ( federal government sfety ) that tires I had put on my car were not good products and were not what i was advertised or promised it was so I keep them. I was tricked. I gathered all info XXXX  my purchase including whole lot of complaints about other customer 's posting on how this company tricks people on XXXX to sell their items to XXXX and then to the credit card company. 

The tire company has been a long term merchant with XXXX and pays a lot of money for their transaction to XXXX so XXXX has no intention to take side with tones of customers whom have filed a complaint with theem about this tire company. Since XX/XX/2022 to date, twice the credit company found in my favor and said " case is now closed '' and my accout would be credited for {$230.00} or so. Each time within a few weeks, they came back and charged my account again saying the merchant disputed their decision. The second time, I even sent more stuff and after review the card comapny found in my favor and closed the case in my favor. Yet again they reopened it again. I contacted the card company. The agent told me, merchant does not want to give the money back! I told her, I believed that when a case is closed, decision is final and merchant had to obey credit company 's decision. She said : I do not know they dont want to give money back. Well, the card XXXX  has to do their part, and return my money. The merchant claimed that I needed not only returned the tires back to them ( after they had tricked me to keep tires on my car which cost {$75.00} to put them on and they were not XXXX XXXX XXXX XXXX tires, but they they had to be in the XXXX  condition as day of shipment ). I want the credit card company NOT to take side with this big merchant who gives $ $ $ $ $ $ $ $ $ $ money to XXXX and XXXX credit card XXXX  and honor that a merchant who cheats on merchant by selling less than satisfactory and poor quality merchendise should not beneffit from cheating consumers.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In my previous letters sent, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2023-02-06 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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

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 2023-02-06 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: FL

Complaint narrative:
This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A  enacted CDIA Metro 2  COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these negative item to be removed derogatory items be permanently removed from my report. 

I sent TransUnion several letters about the inaccurate report that I found on my credit report and its been more then 45 days  and I havent had a response back yet. These letters was sent to TransUnion on XX/XX/XXXX and the tracking shows it arrived XX/XX/XXXX. TransUnion is definitely in violation of all my right from FCRA to Metro 2 and other one not responding in a timely manner.

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 2023-02-06 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, a perpetrator impersonating me called Chase customer service and, according to Chase 's fraud department, passed their telephone verification process by providing my full name, credit card number, and mother 's maiden name. Chase then issued via SMS a one-time password ( OTP ) that the perpetrator received ( but I did not! ) and used it to gain access to my Chase.com portal. 

The perpetrator then added my credit card to an Apple Pay wallet ( I do not use Apple Pay ) and they attempted to redeem my accumulated Chase cash-back balance totaling {$1100.00} to a bank account that I do not own. I was altered to both transactions by email alerts that I had previously put in place in my Chase.com portal and I immediately called Chase to report the suspicious activity which, thankfully, Chase was able to halt. 

My problem is this : Chase admits to issuing the OTP at XX/XX/2023 XXXX EST but can not tell me to which telephone number it was sent. Their fraud agent told me that, perhaps, my phone was forwarded ( it wasn't ) or that the SMS had been intercepted by the perpetrator some other way. I contacted my mobile carrier, XXXX, who confirmed that no SMS message was sent to my number at that time. In fact, the most recent SMS message sent to my number was from days earlier. And I, personally, did not request an OTP or did I have any dealings with Chase on that day prior to receiving the email alerts. 

I believe Chase may have improperly and insecurely issued an OTP to my Chase.com account which allowed a perpetrator impersonating me to gain access to my secure account and attempt to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2023-02-06 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation