vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to bring to your attention the continued violation of the Fair Credit Reporting Act ( FCRA ) with regards to my consumer file. I have made several requests to have inaccurate, unverifiable, and invalidated information removed from my credit report, but to no avail. As a result, I am now pursuing litigation to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617 of the FCRA. 

Please note that your agency is in direct violation of the FCRA, as unverified items listed on my credit report still remain, which is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. Despite my requests, you have not provided me with any original documentation or provided the method of verification as required under Section 611 ( a ) ( 7 ). 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' However, it appears that your agency is disregarding the FCRA and has failed to comply with the law. 

I demand that the following inaccurate, unverifiable, and invalidated items be deleted immediately from my credit report : The following personal information is incorrect : Date of birth : XXXX The following personal information is incorrect : Previous address : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher, which is misleading and forgery. The court does not report this type of account. 
XXXX  XXXXXXXX Bankruptcy Case Number : XXXX I did not consent to an unauthorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX I did not consent to an unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Account involved in litigation with " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have resulted in inaccurate information on my credit report. 
XXXX Account Number : XXXX I urge you to take immediate action to correct the above errors to avoid litigation. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission, and the items listed above will be used as evidence in pending litigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/2023, I opened a Chase credit card account through their partnership with United Airlines ( mileage plus program ). I did not get the physical card until XXXX because I travel a lot. I received an email on XX/XX/XXXX indicating that a payment was due and on XX/XX/2023 I called to make a payment on the card. Today I received a notification from XXXX stating that Chase closed my account. However, when I called to make the payment on XX/XX/2023, no one indicated to me that my account would be closed. So I called Chase bank this morning and they stated that they could not give me any further details as to why my account was closed even after I made a payment on XX/XX/XXXX and simply that they mailed a letter to me on XX/XX/2023. I feel this is very unfair to me as a consumer because when I made the payment on my account, not a single person indicated to me that my account was in jeopardy of closure. After I made the payment, I was under the impression that my account was in good standing. This will affect me deeply as a consumer because it is now listed on my credit report as closed and may affect my ability to qualify for loans down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I recently opened an account with CIT BANK on XX/XX/23. I made 4 transactions on the account and then was promptly locked out of my account. I called costumer service and found out that my account was " under review '' and I was not allowed to access the account. When I asked the nature of this review, I was told that they did not know and that there was no one I could contact. I was told that a review board would render a decision ony account and it would take up to 90 days XXXX do so. 
I was not informed of what kind of issues concerning my account could lead to the review. I have been given no contact number to the review board. CIT Bank has my money, won't allow me to access that money, and will not even explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/1979 Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Credit Bureau Name : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX I Need These list of Incorrect/Misspelled NAMES, ADDRESSES & EMPLOYMENT INFO Removed & Deleted off my Report Because they Are Inaccurate! 

Incorrect Names : XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX Incorrect Addresses : XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Employment info : XXXX. ) XXXX Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On XX/XX/XXXX, an unauthorized debit in the amount of {$1300.00} was performed on our checking account. It mentioned online realtime transfer to XXXX XXXX, transaction # XXXX, reference XXXX XX/XX/XXXX. When I noticed such transaction that same day, I contacted Chase immediately. They mentioned that it showed as a transaction paying a XXXX XXXX account. I mentioned that the transaction doesn't belong to us and request opening an investigation. Claim number assigned by Chase was XXXX. 

On XX/XX/XXXX, Chase responds that the claim doesn't proceed because it allegedly was done with my wife 's login credentials. We proceeded to change and suspend login credentials for my wife and I changed password on my credentials. I again insist that the transaction was done incorrectly and in XX/XX/XXXX, my wife and I submit a letter where we state that we've never had a relationship with XXXX XXXX and that funds should be credited as soon as possible. On XX/XX/XXXX we receive another letter stating that our claim was denied. I contacted XXXX once again and they stated they were going to forward all available information for our review. This never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Chime Financial Inc
State: TX

Complaint narrative:
I made a payment on XX/XX/XXXX  for {$380.00} and a duplicate payment was charged on XX/XX/. The merchant confirmed that several others had the same problem on the same date. The merchant does not show 2 payments made to my account on those dates, only the first one that I made, not the duplicate. The error lay with the credit card processor, XXXX. I contacted my bank, Chime/ The XXXX  XXXX  about the double charge. I was given a temporary credit pending the outcome of their investigation. They concluded that there was no error, and could not provide any evidence to show that I made 2 payments. The temporary credit was taken from me. I provided more details and documentation and the bank concluded that there was still no error. I sent additional details, including the phone number to XXXX on XX/XX/. By this morning, XX/XX/, the bank determined there was no error and declared the decision final.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX & XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX A, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation

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 2023-05-09 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX & XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: LA

Complaint narrative:
Remove fraudulent unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.

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 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I told them I couldn't make payments because I had a problem with a company I was working for not paying me. They have been calling me multiple times a day, every day, for a few months. I did a debt consolidation with a company and this account with Tower Loans is part of that consolidation. I told the representative from Tower Loans that showed up at my residence, unannounced, about that and gave her the contact information of that company. Tower Loans called and told me that they don't deal with consolidation companies and don't have to follow the rules not calling repeatedly. Tower Loans told me that since they collect their own debts, the federal rules concerning the contacting and harassment didn't apply to them. I've told Tower Loans all they can do is file it on my credit report and that they needed to stop calling me to harass me about it or I would report the company. Harassment as defined by the reporting act that outlines consumer rights is what Tower Loans is in violation of. Also, the lie that they said about they don't deal with consolidation companies so it's not their problem. I believe this falls under the rulings of removal of the debt from my records because of the harassment and tactics of deception by Tower Loans. At any rate, the calls need to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I! m entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation