vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
The perpetrator took over my identity. A notice first appeared as an email that my network had been hacked. When the call was made to the credit card company, the perpetrator intercepted the call and represented himself as being from the company. To resolve the " issue '', the perpetrator had me purchase gift cards from two vendors. 

The degree of fraud was amazing ; intercepting each call made to my credit card companies and representing himself as actually being from the credit card company. 
Not only was my network hacked but my phone as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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:
In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-27 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: LA

Complaint narrative:
I recieved a copy of my credit report and noticed inaccurate information on my report. EQUIFAX is reporting an duplicate account which also have inaccuracies and this is hurting my credit rating. Account XXXX in derogatory status with a balance reported XXXX and account number XXXX a open status with a reported balance of XXXX. How can this account be reported twice on my account as opened & derogatory? On XXXX XXXX  I mailed a letter requesting EQUIFAX to investigate these accounts and inaccuracies and their response was that the accounts were accurate and verified. On XX/XX/2022 I also requested the furnisher XXXX XXXX XXXX  to provide me with proof of debt, evidence to collect this debt and account history including collection activity. It has been over 30 days and I haven't gotten a response. On XX/XX/2022 I requested EQUIFAX to provide me with proof of debt and to reinvestigate and on XX/XX/2022 they responded that the debt was verified again and didn't provide any proof. EQUIFAX is in violation of SECTION 15 U.S. CODE 1681I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFOMATION. ALSO PURSUANT 15U.S.1681B ( A ) ( 2 ) FALIURE TO FUNRISH INFORMATION IN ACCORDING WITH WRITTEN INSTRUCTION TO WHOM IT RELATE. EQUIFAX IS ALSO IN VIOLATION TO SECTION 623 FOR DEFAMATION, WILLFUL INJURY. THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
I DO NOT RECOGNIZE SUCH INFORMATION. I RECIEVED SOMETHING IN THE MAIL REGARDING A BALANCE I HAVE NEVER APPLIED FOR NOR DO I UNDERSTAND WHERE THIS DEBT CAME FROM. 

LTD FINANCIAL SERVICES IS ATTEMTPTING TO COLLECTA DEBT FROM ME ( CONSUMER ) IN WHICH I DID NOT CREATE!!! 

THIS INFORMATION IS INCORRECT!!! 

Original Creditor- XXXX XXXX XXXX  amount is {$5900.00} and is INCORRECT!!!!!!!!!! 

REFERENCE NUMBER - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXX Adjusters XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXXXXXX XXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXXl XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.

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 2022-06-27 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: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I have a Robinhood account that Ive been trying to get in because of my password reset. For months Ive used all there ways to reset it but I dont get a call back or they dont send me the right link to fix it. Ive lost thousands of dollars because of this situation I have countless screenshots of errors on there behaves. Tried getting a real person to contact me nothing for months so disappointed on all the opportunities Ive lost. They keep sending me a link that goes no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have wrote you over 30 days ago via mail to send me the method verication that I owe this debt. 
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MD

Complaint narrative:
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 2022-06-27 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX XXXX # XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
Im currently working under freedom debt relief to settle accounts I occurred while out of work with a injury. Ive settle all accounts completely and Im currently on the last one. Freedom debt relief came to agreement with the company to pay ( {$15000.00} ) and Ive been paying ( {$430.00} ) for 10 months now and when I check my credit reports its still showing the amount going up ( {$33000.00} ). original amount was {$20000.00} and agreed to {$15000.00} and its over {$33000.00} now on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Today, XX/XX/22. Multiple other days I unfortunately erased from my answering machine. Daily calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am trying to make a payment online and receiving an error notice at the website. Then I tried to call and they are telling me " due to unforeseen circumstances, the offices are closed. '' My credit card payment is due tomorrow. It is too late to mail the payment. 

This company 's service is unacceptable, they do not answer e-mail timely, and they do not fully answer CFPB complaints. My being unable to pay either online or over the phone is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: MD

Complaint narrative:
XXXX 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 explanation
Consumer complaint received 2022-06-27 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: MD

Complaint narrative:
XXXX 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 2022-06-27 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: TX

Complaint narrative:
I requested from Experian and XXXX XXXX XXXX XXXX the permissible permission used to have accessed my credit report in XX/XX/XXXX. Both refuse and play word games. 
Experian states " They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). The result summary was sent to you for review on XX/XX/XXXX '' I have yet to receive the permissible permission or the XX/XX/XXXX summary listed above..

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 2022-06-27 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: APEX Asset Management, LLC
State: NC

Complaint narrative:
This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Chime Financial Inc
State: AZ

Complaint narrative:
I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with XXXX but i was told i could not do so becaise Chime/XXXX reported the address. I then immediately contact Chime to advise this was not my address and i did not know where the address came from. I was told by Chime my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both XXXX and Chime and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I called a company ( XXXX ) on XX/XX/XXXX, to reserve a 16 day stay at a safe location, the company charged me ( XXXX ) for that location and sent me a receipt for that location. The company booked me in a different location than the one I paid for. I filed this dispute with my credit card company, XXXX. XXXX sent XXXX documents that verified that I did call them and had a call with them but not the specific evidence to effectively dispute my claim. However, DIscover said that I, " ... had a transaction with them ... '' and therefore would not reverse the charges to the vendor, XXXX. 
I have been making automatic payments to pay my bill since the beginning of using my Discover card and have done so until XX/XX/XXXX when I made the 'fraud ' dispute. DIscover had to send a new card and therefore my bank is no longer connected to them for payments. 

Discover did not do their due diligence to get the recording that would clarify this situation. They instead accepted the limited information XXXX provided and ruled in their favor. I have had Discover and XXXX look at this complaint no less than three times to no avail. I am filing a complaint against XXXX as well. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: AZ

Complaint narrative:
I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with Experian but i was told i could not do so becaise XXXX reported the address. I then immediately contact XXXX to advise this was not my address and i did not know where the address came from. I was told by XXXX my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both Experian and XXXX and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.

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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: SC

Complaint narrative:
On Thursday, XX/XX/XXXX I received a notification that my account was frozen and I needed to call the customer service number to get my account unlocked. I did this, and after an hour and 45 minutes of sitting on hold I was connected with a representative, and the problem was resolved. Then on Friday, XX/XX/XXXX I received another notification that my account was frozen and to call the same customer service number. I tried to call that number two times and both times I was disconnected after being on hold for over 3 hours. I tried to call that number again on Saturday, XX/XX/XXXX 4 different times and still no one would answer my call. I called again on Sunday, XX/XX/XXXX 8 times and never got connected to anyone. I finally called today, Monday, XX/XX/XXXX 3 times, after being disconnected twice for the hold be over 3 hours and the representative tells me that Discover decided to close my account without notifying me and would not give me a reason on the phone. I now have to wait 7-10 business days for a letter with the explanation and 60 days to get my money back that was already deposited into that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: NY

Complaint narrative:
Unauthorized inquiries XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-06-27 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, Midland Credit Management has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 

15 U.S.C 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation