vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 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

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 2022-10-01 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: CA

Complaint narrative:
On XX/XX/2022 I received a phone call from someone named XXXX purporting to be from Chase Bank advising that they needed some information from me regarding my credit cards. I advised that I wasn't comfortable providing any information as she could not confirm that she was actually from Chase Bank. I advised that I would call Chase back and provide the requested information. She advised that this was for a credit review and that I could call them back and provide the necessary information for the review. Immediately upon getting off the call, I called Chase in order to provide the requested information. However, upon speaking with Chase, they advised that the review was already conducted and they decreased the limits on all of my credit cards with them by half. This negatively impacts my credit score, and I was not given an opportunity to provide additional information that could have affected the review. I was lied to and told that I could call back and provide additional information, and I did so within 30 seconds of the initial call from XXXX. 

They did this on XXXX cards : XXXX ; XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my full balance with capital one on XX/XX/2022 and they charged me interest on XX/XX/2022. Which was paid before the billing cycle. I called to see if it could be forgiven and they advised there was nothing they could do. They told me it was interest from a late fee that was forgiven and taken off my account. The interest fee was not forgiven totalling {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Transunion has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Transunion has violated my rights in reporting this account as they do not have written permission in accordance with- 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

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 2022-10-01 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX MB FINANCIAL SERVICES Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX KIA MOTORS FINANCE Account Number XXXX XXXX XXXX XXXX  Account Number 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 2022-10-01 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: FL

Complaint narrative:
My personal credit report # XXXX with Experian XXXX XXXX Includes a fraudulent account with XXXX XXXX XXXX XXXX Acct # XXXX ). I have contacted them in reference to removing this item because it was fraudulent. My personal information was found in a data breach with XXXX so i believe this item to be associated with that I have included the FTC Report # XXXX. The FTC report attached contains a written statement in compliance with the FCRA 605 ( b ) guidelines. I have also attached a copy of my drivers license and social security card in accordance with the same statute. Also in this complaint I have also attached a picture of the fraudulent debt for verification purposes. I would like to get this issue resolved because I have tried dealing with Experian over the phone and by online dispute to no avail. 
Thank you. 
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 2022-10-01 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: IL

Complaint narrative:
I contacted both the creditor and the credit bureaus about inaccurate information that was on my credit account. I should proof of the matter and they still are saying the accounts was verified. I asked for proof ( all paper work/info ) to be sent to me about how they verified the accounts. They still have not sent me any proof to back up their decision. I contacted them three plus times and still nothing.

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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022 I tried to transfer approximately {$350.00} from my PayPal.com account to my bank account. After trying to initiate this transfer multiple times from my account, both on a mobile device as well on a computer, I noticed that I was " unable '' to link my bank account in order to easily transfer my balance out. I had tried to initiate this transfer many times over many months and have always hit the same problems : - bugs where the " transfer to bank '' button does not work / respond - errors when trying to link my bank account This has resulted in my balance sitting in PayPal and unavailable for use for close to 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
Online IN XXXX  Account XXXX US Dept ED Account XXXX XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a wildfire victim of the Paradise Campfire in 2018. 
I received my XXXX lawsuit settlement check XX/XX/XXXX and used XXXX, XXXX, XXXX aka XXXXXXXX XXXX XXXXXXXX XXXX. They used a company name XXXX to cut the checks, whose bank is XXXX XXXX, per the attorneys letter to me. 
My bank is Chase, which is where we deposited the check. They put a restriction on my entire checking account, because they had to verify the check I pushed and said I understand verifying the check, but why restrict my account? They said that is just their process. Which other victims has XXXX issues regarding this. 
Chase says they can not verify with XXXX in their system, and that they wont take an incoming call from XXXX because it could be anyone calling in as XXXX they said. So I had multiple people from Chase try calling the bank the check funds are coming from ( XXXX ), they were able to verify them just fine, but at that time XXXX said they needed a verified list of checks cut from XXXX. So I called XXXX and let them know if they can just do that, then Chase could verify with XXXX. A week later of nothing being able to be done, XXXX called me on XX/XX/XXXX Thursday morning, saying they received what they needed from XXXX and to have Chase call to verify. So I did just that, but this time the lady, and her supervisor told me now they can not call XXXX to verify, after I had multiple people do it in the week from Chase and they had no issue. And again they will not take a call from anyone or let me 3 way call to clear it up. 
The Attorneys also got paid $ XXXX from me alone, and have not helped me at all with this issue. 

At this time due to the 10 day hold that now I was told cleared, my funds are now being held in XXXX account, so how did they in fact receive funds from a bank or trust they could not verify? And they told me they are closing my account by XX/XX/XXXX. I am going to get an attorney and sue Chase at this point for damages, because my credit is now affected by not being able to pay on time, they withheld our normal paychecks, power can be shut off if not paid and everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
J.P. Morgan Chase Bank decided that I was a security risk and locked out all my accounts. No explanation was provided. I am a long-time Chase customer ( XXXX years ) and a " Chase Private Client, '' for whatever that is worth. 

No explanation was provided. No fraudulent transaction was flagged. Yet, two days before the beginning of the new month, on XX/XX/XXXX, Chase decided to lock me out of my own accounts. That same day, Chase informed me that they made the decision not to continue to do business with me. I asked for reconsideration and have received no response. I have asked to close my accounts and be provided with cashier 's checks for all of my accounts ( I have both personal and business accounts at Chase ), but was denied. 

While XXXX XXXX XXXX, of the Chase Global Security Team, advised me via email to go to a branch and close out my account to get my funds, the local branch in XXXX, New Jersey refused to do so. 

I have emailed multiple times, attached to this complaint. 

Chase 's restriction on my account has caused far-reaching damage to myself and my businesses. I can not receive rent from tenants, pay bills and other obligations, or transact business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR

Complaint narrative:
i recieved a letter from Carter-Jones Collection approx. XX/XX/2022, for an alleged debts in the amount of {$190.00} and & {$1600.00}. I sent debt validation letters via Priority mail on XX/XX/2022. on XX/XX/2022 I received a letter from them restating the debt, the amount, original creditor 's address, a page with XXXX XXXX XXXX XXXX letter head with SOMEONE ELSES NAME, BUT NOT the information I requested. They did not send a signed contract or any verifiable information stating that I am responsible for this person 's alleged debt. I have never signed anything stating that I am responsible for this person 's alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: SC

Complaint narrative:
Information added to complaint IDs : XXXX I have made disputes with XXXX, Experian, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX XXXX XXXX 3 different account numbers to the credit bureaus in XX/XX/2022. 

Experian account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX XXXX, XXXX, and Experian have failed to investigate the accuracy of this collection.

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 2022-10-01 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: TX

Complaint narrative:
XXXX removed XXXX off my credit report I filed the same thing wit Experian and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all

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 2022-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.

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 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
XXXX is the orginal company and they became XXXX. The collection agency now is Source Receivables MNGMN. I have disputed owing {$720.00} to the three credit reporting companies. XXXX keeps reporting " Verified and Updated ''. So, XXXX or Source Receivables just keeps repeating that the money is owed and past due. XXXX 's account services told me via a telephone call on XXXX that I did not owe any more money because I had been paying a month in advance. They also said all phone calls are recorded so I requested they listen to that XXXX phone call several times. That call would backup my claim. I was always told my request was being escalated and they would call me back in 5 to 10 business days. Never got a call back and they kept increasing the amount they said I owed. On XXXX, I paid {$390.00} for the bill due XXXX, which is the same day I was told I did not owe anything further. I had 5 devices and four were paid off and one was returned. All lease terms were completed. XXXX unlocked all phones and I was able to change to XXXX. I want my past due {$720.00} to be removed and I want to listen to that phone call along with a XXXX representative. I think they do not record all phone calls and that is why I did not hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I applied for an Offer of credit with XXXX XXXX. XXXX XXXX ran a credit check on me with EQUIFAX. Equifax returned information stating that I was, '' DECEASED. '' As a consequence, I was Denied credit. 
I have made several attempts to having this incorrectly filed information fixed but Equifax continues to report me as, DECEASED. '' Please, I need assistance because Equifax will not report accurate information on my credit report and or File. I am Alive and Well and not Deceased as being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
XXXX XXXX Account XXXX DPT EDXXXX ACCOUNT XXXX Account XXXX ACCOUNT XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
Online XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX accordance with the Fair Credit Reporting act XXXXt Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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