vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I filed my taxes through XXXX. The incorrect account number was attached to my federal refund, but not my state refund. After about a month I went to the IRS to see the status of my refund, the IRS sent the refund ( {$770.00} ) to XXXX XXXX XXXX, who took payment as agreed upon by XXXX  ( {$210.00} ), and sent the remainder ( {$550.00} ) to the incorrect account within Chase on XX/XX/XXXX. I don't own that account, and I have never seen the account number before in my life. Speaking with Chase I provided them with the account number and trace number for the ACH deposit. They said they received {$550.00} on XX/XX/XXXX with my name spelled correctly on it. Chase told me they didnt reject the money, and that they can not send the money back to XXXX XXXX XXXX , or transfer it to the correct account because it's been longer than 2 business days. Chase claims that the only way for the {$550.00} to be sent to me is for XXXX XXXX XXXX to issue an ACH Recall. XXXX XXXX XXXX told me on XX/XX/XXXX that they can not issue an ACH Recall and if Chase is unable to send it back to XXXX XXXX, or to the correct account, that I should open a civil dispute. I brought this back to chase, and ran it through several departments including my local branch, claims, and a handful of others. They denied my claim, and told me they can not do anything about it, and the only solution would be for XXXX XXXX to issue an ACH recall. I pressed the issue with XXXX XXXX again, and they again told me they didn't do ACH recalls and to talk to Chase. Both Chase and XXXX XXXX are unwilling to take the steps to send my refund to the correct account. So my tax return is sitting in a chase account with my name on it, and I have no access to it, or any method of getting it sent back to me without filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: IL

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.

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 2023-08-09 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I was alerted that Nelnet was now collecting debt that they had attributed to me. They gave me an account number, and sent a list of alleged debts, about 10 various accounts. I did not recognize the individual accounts and numbers owed, and was confused by what they were sending me, why I owed it, who I owed it to, as of when, etc. 

I reached out twice via email requesting Debt Validation, promissory notes, etc. Anything to validate these numbers, and ensure it's debt I actually owe. They did not answer or reference my request, yet continued to send me correspondence. Clearly my request was being ignored. 

I then called on the phone, and the representative at Nelnet told me, verbatim, " We do not have any Promissory Notes, or Debt Validation records of any kind. We can not provide you with a Debt Validation Letter. '' This raised considerable alarm. 

Am I expected to pay any number they come up with? With no documentation of any kind?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is several times I have found inaccurate ACCOUNT on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: NY

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. 

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 explanation
Consumer complaint received 2023-08-09 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.

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 2023-08-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX  XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX. My s.s. # is XXXX. My DOB is XX/XX/XXXX. On XXXX XXXX I received a credit alert via XXXX to advise me that a account was open with Vystar Credit Union. I called this bank and initially they advised me that they can not close the account until I file a police report. I ran to the police station and filed the report. The case number is XXXX. The officer is XXXX XXXX. Her badge # is XXXX. Her phone number is XXXX. Finally once I left the police department, after pleading with the bank, they agreed to place a hold on account and advised me that they did not see any activity other than a deposit of {$5.00}. Im very concerned as my husband and I have had very weird incidence since our information was compromised with XXXX XXXX in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: DISCOVER BANK
State: CA

Complaint narrative:
I ordered numerous items from the company XXXX XXXX, purchasing process was smooth however while my items were out for delivery, the shipping company XXXX ( 9 total different packages ), stated on my items tracking number that my items were being sent back to the companys warehouse because it was recalled. I waited for my items to arrive to warehouse and was signed for by XXXX So i called XXXX XXXX so they could provide me a refund, however the supervisor there told me to dispute with my card company to recieve a refund. I disputed and submitted my valid documents showing i didnt recieve any items and that the items were sent back to warehouse and signed for by XXXX. However Discover ( the card i used ) found the transaction to be valid which is impossible considering the tracking numbers clearly show that all items were returned and signed for, as well as chat status with customer support of XXXX XXXX insisting i disputed my case. I am now being charged XXXX USD for items that were not received and recalled by the company itself. The purchase was made XX/XX/. Dispute was closed XXXX XXXX XXXX Its a fraudulent charge by the company XXXX XXXX and the negligence of Discover since im showing clear evidence i did not recieve my items. All pictures show they were delivered and signed for in warehouses of XXXX California and Ohio. I also provided a picture of the travel history showing the shipper requested packages to be sent back, out of my control and without my permission. I have also provided a picture showing customer service telling me to start chargeback with financial institution and unable to cooperate and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX XXXX  Reported : XXXX XXXX XXXX Caine Weiner Company Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/ or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 XXXX which states I have a right to privacy, 15 USC 1681 604 XXXX Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX  which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are Multiple address and names spelled Incorrectly in my credit report which are n fact innacurate and essentially constituted Fraud.

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 2023-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are Multiple address and names spelled Incorrectly in my credit report which are n fact innacurate and essentially constituted Fraud.

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 2023-08-09 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: AR

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  has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. 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 several 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC

Complaint narrative:
Leased a vehicle, XXXX XXXX XXXX VIN # XXXX, on XX/XX/XXXX through Mini Financial Services, XXXX XXXX XXXX XXXX, Arizona XXXX. Same was registered in the state of Florida to my name, XXXX XXXX, under license plate # XXXX and insured through XXXX. No payments were missed and lease was paid until the lease term ended. After returning home from an 8 month trip p on XX/XX/XXXX, I noticed that my vehicle was missing and the valet of my building did not have the key or knowledge as to what happened to my lease vehicle. On XX/XX/XXXX, to report the apparent theft ; however, XXXX XXXX XXXX ( Report # XXXX ), indicated that they could not provide me with a theft report as the vehicle was registered to another person. I immediately contacted the leasing company who denied ever repossessing the vehicle and instead demanded {$20000.00} for the residual value of the vehicle. I then hired a private investigator who revealed that the vehicle was in fact registered under another name in the state of Florida. As per this investigator 's findings and documentation, on XX/XX/XXXX, the vehicle was sold by XXXX XXXX, XXXX XXXX. # XXXX, to XXXX XXXX for {$320000.00}. XXXX XXXX provided my investigator with a copy of the purchase agreement, a motor vehicle title reassignment supplement document, and a copy of an application for a certificate of title with/without registration. Up until this moment, Mini Financial Services continue to demand payments, denies ever repossessing the vehicle, and refuses to follow up with their recovery department regarding the sale of the vehicle by XXXX XXXX even though the vehicle was sold while still having a lien by Mini Financial Services.

Company response to consumer: Closed with explanation