vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Account charged off. {$15000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Phone Number Unavailable Public Record XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX fcra violations not accurate informations XXXX XXXX Collection account. {$1900.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XX/XX/XXXXXXXX XXXX XXXX, FL XXXX SINGLE FAMILY fcra violations not accurate informations XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX SINGLE FAMILYXX/XX/XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late fdca violations

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 2021-01-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Account charged off. {$15000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Phone Number Unavailable Public Record XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX fcra violations not accurate informations XXXX XXXX Collection account. {$1900.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXXXX/XX/XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY fcra violations not accurate informations XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX SINGLE FAMILY XX/XX/XXXXXXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late fdca violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We started the refinancing of our personal residence in XX/XX/2020 and told we have been approved and yet we havent closed yet I have an email chain to show you the detail of our complaint

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay MACY'S/DSNB ( {$360.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.

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 2021-01-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a XXXX of XXXX XXXX and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the XXXX  of my iXXXX to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: STATE FARM BANK, FSB
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, STATE FARM BANK, F.S.B add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Premium Credit Bureau
State: NC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, PREMIUM CREDIT BUREA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX Account Number XXXX. DEPARTMENT OF EDUCATION Account Number XXXX XXXX DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, LAXXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXXL * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed XXXXXXXX XXXX XXXXXXXX Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedXXXX XXXX XXXX - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed

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 2021-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX  Account Number XXXXU.S. DEPARTMENT OF EDUCATION Account Number XXXX U.S. DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX - CARD SERVICE Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed VSAC FED LN- Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedVSAC FED LN - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
To the short response AWA Collections has mailed the validating documents, with the legal electronic signature required, to his address. The full balance remains due. As for the verbiage on the credit report, that is completely the responsibility of the credit bureau. AWA Collections does not control how the debt is described, other than it was assigned for collection. 

XXXX And XXXX Please provide and upload the Validation proofs on CFPB and also since were on a great verbiage demanding to collect a debt. That sound like you cant provide the validity of an original contract. Could you please upload also the legal electronic signature that you stated that has been required. Cause to my knowledge I still dont know what Accusations AWA Collections is addressing to. 

Please practice The Fair Credit Reporting Act XXXX FCRA XXXX is a federal law. Cause your now violating with not should any type of validation not accepting a any payment and demanding a FULL Balance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-12 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: GA

Complaint narrative:
I Have been a XXXX of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My daughter XXXX XXXX and I XXXX XXXX have account for social security XXXXXXXX, our deposit didn't come in XXXX or XXXX. My daughter account was closed and I was told there was no deposit but social security was about to deposit it on the XXXX. We still have not received our funds and bills are not paid. Contact social security XXXXXXXX to investigate. I also have an account with XXXX. My credit limits on my cards started to disappear and this is all happening after my auto accident on XXXX XXXX, my XXXX was also closed with out my permission thats why I opened us chase account. Please help me figure out what going on with social security account for us. Contacted bank about multiple accounts and user names. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted my letters over 30 days ago the company fails to respond and is violation according to 15 USC 1692. I did not give them written consent to report these inaccuraries on my credit report. This company have fail to acknowledge that it is in violation. I have attached my letter and proof that I sent letter XXXX XXXX XXXX XXXX. Also my XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
my name and alias name and previous addresses need to be corrected

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 2021-01-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased two tickets on XXXX XXXX. This purchase showed as two transactions on my credit card, one for each ticket, even though it was a single purchase transaction. 
XXXX XXXX changed their ticket policy after these tickets were purchased, and would no longer guarantee an open middle seat. Since I would not have purchased the tickets given the new policy, I requested a refund from XXXX XXXX and was denied by them. 
I had to open 2 disputes with the credit card company, one for each ticket. One of the disputes was decided in my favor on XX/XX/XXXX and the credit card company credited my account with the entire amount of the ticket. The other dispute was denied on XX/XX/XXXX. I had provided the same documentation and information for each ticket dispute in a communication dated XX/XX/XXXX. 
When I called on XX/XX/XXXX another dispute was opened for the ticket which had been denied and I was told at that time that since one of the ticket disputes had been resolved in my favor that both should have been resolved in my favor. However, I was never credited with the second ticket amount. I inquired again on XX/XX/XXXX and was told again the second ticket would be credited but that the duplicate dispute should not have been filed and the original dispute for the second ticket would be reopened. 
Today, XX/XX/, I received a letter from the credit card company which stated " We no longer have any means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' I called them again and spoke to XXXX who gave me a completely different explanation and offered me {$170.00}, and I Informed her that I was going to file a complaint.

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 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed into an international wire transfer on XXXX XXXX, 2020 in the amount of {$12000.00} from my checking account with Chase. 
I went to the local branch in person to complain. After a phone call by one of the Chase employees I was told I would receive a refund within 3days.After Questioning again in person I was told It could take up to 8 days and I might be charged with certain fees that would be deducted from the refund. When again no credit appeared on my account, I was then told I would not receive any refund.. 

Also the copy handed to me of the transaction does not have my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from any consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction.

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