vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I have called Franklin services for the collection account on my credit butno one was answering and i have also emailed them. I have filed a dispute through XXXX numberous times for a collection under my account with Franklin services and XXXX with the original creditor. I don't owe anything from XXXX because i have cancelled my account for their service even before i had to start, so i have never received any sort of service from them. When i cancelled i made sure they didnt charge me anything and they had told me yes its cancelled and i dont owe them..so it has come to my surprise that i have {$100.00} for a collection on my account. I will not ruin my credit just for a {$100.00}. I am happy to pay that amount if i had receive any service or account from XXXX pertaining to this amount but again I did not. So please help me delete this collection account on my XXXX  because i was able to dispute this on XXXX. Only XXXX have been giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, we went to log into our Chase Bank accounts online, and we received an error message regarding " suspicious activity '' and were unable to access our accounts. The message stated that we needed to call the listed number for assistance. We did so immediately and were informed that Chase Bank had frozen our accounts and was " ending their relationship with us '' due to " suspicious activity ''. We were told our accounts would be closing within 10 business days ; with the understanding that we had these 10 business days, we waited a couple of days before going to our branch to withdraw our money so that a pension check we receive every month would be safely received and direct deposited. We went to our branch on XX/XX/XXXX to withdraw our money from 2 checking accounts and 1 savings account. We were denied. The branch manager and an assistant called a support department and were told there appeared to be a fraudulent payment made to one of the checking accounts. They would not disclose any other information nor the transaction details. We were also given a date of XX/XX/2022, as a date the review should have been completed and a cashier 's check would be mailed to us of the amounts in our accounts. It has now been more than 5 weeks that we have not been able to access any of those monies with no explanation. We have spent countless hours calling various departments, speaking with several bank officers who would pass us along to another officer only to be told by each one that they can not give us any information other than that " review is still being investigated '' and that they can not give us any kind of time frame as to when they will finish their review/investigation and if or when they will be releasing our money. In the first week of XXXX, we received a letter dated XX/XX/2022, from Chase Bank stating they were going to close our accounts because of either a recent transaction or that we did not provide requested information. Please note that at no time were we ever asked to provide any information this alleged fraudulent deposit. In fact, we were not given any notice at all that our accounts were in jeopardy until we went to log into our accounts online to find we had been locked out of them. 

Our life savings, pensions, IRAs, etc. are in these 3 accounts. We are asking for your assistance in this matter. 

We have been given a case number of XXXX. 

Our Chase Bank branch manager is XXXX XXXX. Her email is XXXX Sincerely, XXXX XXXX. & XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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:
XXXX XX/XX/XXXX i dispute the following information that appeard on my XXXX report from XX/XX/XXXX : XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$5400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX Collection with account # XXXX opened on

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 2022-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is about Equifax Credit Bureau and XXXX XXXX XXXX. I have written the California State Attorney General regarding Equifax reporting in XX/XX/XXXX that XXXX XXXX XXXX has stated the Auto Loan made in XX/XX/XXXX was re-financed from the original payment of {$400.00} to {$300.00} per month as of XX/XX/XXXX. The California State Attorney General has open an investigation involving XXXX XXXX XXXX reporting Fraudulent Credit information I have asked the California State Attorney General to report any findings to the Georgia State Attorney General about what Equifax Credit Bureau has said their information has come from XXXX XXXX XXXX. 
XXXX XXXX XXXX did sent me a Complete Payment History Report and the original amount of {$400.00} has been the payment throughout the entire Loan since XX/XX/XXXX on the report. Nowhere on the report shows the monthly payment was ever changed from {$400.00} to {$300.00} per month.. Where did Equifax get their information from? XXXX has also stated their agency has never asked Equifax, XXXX, nor XXXX to collect any monies regarding the account. XXXX also stated to the California Attorney General that XXXX XXXX has been put in place on the Auto Loan Account by their office,, besides the XXXX ( XXXX ) years Stature of Limitation on the account has expired. Equifax stated on the last Credit Report I received from them that XXXX has re-financed the loan and the Monthly payments were lowered. XXXX XXXX XXXX said that information is incorrect and it seems as though XXXX XXXX XXXX is correct because the Payment History report of the Auto Loan amount had not changed. XXXX XXXX and I should have gotten a copy of the Re-finance Loan and we should have agreed or disagreed with the Terms and the Conditions, Maybe XXXX XXXX would have still been the owner of the car. The payments would have been affordable The California XXXX Attorney General XXXX XXXX XXXX XXXX Unit will be answering me regarding the decision about Equifax XXXX XXXX XXXX soon as XXXX XXXX to his office. When I noticed Equifax had placed XXXX XXXX XXXX on my Credit file on XX/XX/XXXX, I Certified a letter to the California Attorney General for XXXX It seems as though XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the same Fraudulent information regarding a Re-Financing of a XXXX Auto Loan without any paperwork to show a re-finance was done .If Equifax wants to contact the California State Attorney General, they may do so @ XXXX XXXX California Attorney General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NC

Complaint narrative:
this is reguarding a closed complaint # XXXX if clam that be thet they are having trouble to conform my identity.

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 2022-11-02 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: WI

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 # XXXX, Account name : XXXX Destiny # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, and # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX Outsourcing # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2022-11-02 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: Experian Information Solutions Inc.
State: WI

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXXXXXX # XXXX, and # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  Outsourcing # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this as well.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: VA

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. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 non-monetary relief
Consumer complaint received 2022-11-02 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: VA

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. XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX OR XXXX, XXXX : ACCOUNT # XXXXXXX, XXXXXXXX XXXX  : ACCOUNT # XXXXXXXXXX, XXXX XXXXXXXX : ACCOUNT # XXXXXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXX, XXXX ACCOUNT # XXXXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXX has violated my rights. 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 XXXX 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 explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple hard inquiries with several online credit companies made recently. I was contacted by several companies at which I discovered my identity was stolen and froze my credit with the XXXX major credit bureaus. This has cost me a great deal of heartache as I was unable to get a line of credit needed for business due to my credit score. XXXX of my credit cards have accumulated small balances of less than {$1000.00} after it seems the person went on a shopping spree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple hard inquiries with several online credit companies made recently. I was contacted by several companies at which I discovered my identity was stolen and froze my credit with the XXXX major credit bureaus. This has cost me a great deal of heartache as I was unable to get a line of credit needed for business due to my XXXX XXXX. XXXX of my credit cards have accumulated small balances of less than {$1000.00} after it seems the person went on a shopping spree.

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 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Guglielmo and Associates
State: UT

Complaint narrative:
Guglielmo and Associates filed a Motion to Renew a Judgment from over 10 years ago. They included in their filings that I had been notified and did not file an opposition to the motion. The reason I didn't file an opposition is because I haven't lived at that mailing address they were sending the notices to for over 2 years. 

I spoke with the current residents of that address and they informed me that any mail addressed to me was placed back in the mail with " Return To Sender No Longer At This Address '' So they deliberately misinformed the court that I had been receiving their correspondence when in fact they knew very well that I had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Originally called and reported some fraud charges on my Chase Debit Card on XX/XX/XXXX. Reported charges that I was able to see at that moment and told them if I found anymore I would call back and let them know so they can help me out with the fraudulent charges I had been experiencing. 
They agreed that those charges were not on my behalf and authorized the funds back since I didnt make those transactions. They closed the card out and replaced it with a new and everything was fine. I finally had time to look at previous bank statements and noticed some more charges from XXXX and XXXX and called to Report those charges to the original claim that was made on XX/XX/XXXX. Again, those disputed charges were reversed and they agreed that it wasnt authorized on my behalf. Now in XXXX, I called because I had time to review statements from back in XXXX and they helped submit a claim for those charges. Well now they state that those charges in XXXX were outside the 60 day window to dispute charges and wasnt originally attached to the XXXX Claim and they took away all the settled fraud disputes after they were already acknowledged to not have been made by myself. I called and spoke to a supervisor who said that unfortunately when they submitted the XXXX charges in XXXX it removed all the settled claims from my bank account since they stated that the XXXX Charges werent made past the 60day rule and that there was nothing they can do. I just dont understand how they didnt tell me this upfront when submitting the claim in XXXX that it can affect the original claim that was already approved from XXXX. Really disappointed and extremely upset and how there is not clear upfront explanation. They have now left my account owing thousands of dollars and with not help insight where I can submit my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had an account at Bank of America that I made in XX/XX/2022 that got closed in early XX/XX/2022. I had approximately {$12000.00} in my bank account when it got closed. I have been trying since then to get my funds but they have been holding and not sending me the funds.

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 2022-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Contacted Company on XXXX XXXX to inform them my information is incorrect. Name and Address on my license should match my credit profile.

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